davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

They wrongfully took signatures for a service was not provided and will never be provided. I never signed anything. This is fraud. Experian is the only credit bureau still reports this on my account. My wife XXXX XXXX XXXX XXXX successfully disputed and won the claim to be taken out of her experian report. My case is nothing different than her. XXXX provided the same supporting information for both the both of us. 
Loan number XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2021-02-25
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: WELLS FARGO & COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX, and Wells Fargo Card. The Account Opened is XXXX XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Wells Fargo Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

Neither equifax nor experien have a process that works. Online they collect the information then say they ca n't do it, when you call they route you to a dead phone. 
Just a run around. 
Both should be fined heavily for proliferating incorrect information.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Altisource Portfolio Solutions, S.à r.l. (FL)

I have these hard credit pulls that I did not authorized in my XXXX credit report ALTISOURCE SOLUTIONS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2015-05-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OH)

Experian for the past 3 mouths this company will send up dated credit reportAll XXXX will not sent out letters of dispute will take off accounts that someone usedI need up date report on all XXXX I ask to delte the late charges the bank will not send mestanding ments of what been charge date back XXXX of 2014. 
Copys of letters that I sent for the last XXXX mouths all XXXX not every good company to do business I have a right to dispute what is on my credit all I get is the run around.
Consumer complaint received 2022-08-15
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. (AR)

In accordance with the Fair Credit Reporting act XXXX 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 2024-03-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (PA)

Debt collectors are saying I owe {$50000.00} for something that is not mine, nor did I sign a contract with them. Claiming to be from an apartment that I did not sign a lease too for that amount. I am military and government and this is effecting my lifestyle, my family, my military job and relocations, and my clearance. This has been an extreme issue and effecting me emotionally and causing emotional distress and disadvantageous livelihood.
Consumer complaint received 2024-03-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have attempted to use this card at XXXX different retailers and it has been declined. I contacted Amex and they said the card is showing as Active and there is nothing they can do. For XXXX of my attempted purchases at XXXX, there was a test transaction of {$.00} processed successfully but then later the full amount was declined. The amount on the card is {$500.00} and it is very frustrating to not be able to use it.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

To Whom It May Concern : I contacted Chase Bank by phone twice and requested help from Chase Bank through CFPB XXXX times and the results were the customer needed to log on to the bank website and download a copy of the payment. This is a very sad feeling for Chase Bank.

Today, I am filing a complaint due to Chase Bank 's negligence regarding my online payment of {$800.00} on XX/XX/2023. I am demanding Chase Bank provide me a copy of the information of a confirmation of the payment received by XXXX XXXX, and Chase Bank can mail the copy to the address on my account. 

IF NOT ABLE TO PROVIDE A COPY THEN REFUND MY {$800.00} TO MY ACCOUNT. 

I have attached a copy of the payment received from Chase Bank, which indicated on XX/XX/2023, the Chase Bank online payment was sent to XXXX XXXX. The copy of the payment has information on the billers name, payee name, payee account number, File transmission date, payment effective date, trace number, and transaction ID. 

I also attached a letter from XXXX XXXX. In this letter, XXXX XXXX XXXX, a customer advocate service team from XXXX XXXX, requested a confirmation of the payment received by XXXX XXXX. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-09-10
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. (NC)

on XX/XX/2020 contacted XXXX at the Executive office to find out that my credit card is still not active. The account states it has a " fraud alert '' placed on the account. On XX/XX/2020 I contacted the early warning fraud department at Citi Bank as directed in the instructions via email. This was then removed upon my bank account information being verified. On XX/XX/2020 I then received a second email from Citi stating the same information, " fraud alert '' was placed back on the account even after previous verification. Upon proceeding to verify my information with customer service again, this time a supervisor, as I escalated the call due to my own suspicions. The account was unlocked and available for one day, I made one transaction for groceries and the account was locked again! I am facing financial hardships due to COVID - 19, not being able to use my account has resulted in a lower credit score for lack of credit usage, and has not allowed me to shop with  convenience. Due to my ethnicity, military veteran status, political campaign contributions, and or credit profile, I suspect this to be discrimination in lending and serious negligence by Citi Bank.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX four total, XXXX XXXX four total, an account through XXXX XXXX. Please help as this agency is not complying
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (TX)

The handling of my mortgage by ServiceMac , LLC and XXXX XXXX XXXX XXXXXXXX has raised significant concerns regarding flood insurance and escrow management. ServiceMac 's purchase of flood insurance without notification, despite my existing coverage through my condo owners association ( COA ) from XX/XX/XXXX to XX/XX/XXXX, was done without my consent or knowledge. Additionally, the lack of disclosure regarding the inclusion of the insurance premium in escrow and any increase in monthly payments is troubling. Furthermore, upon the transfer of my mortgage to XXXXXXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX, the existence of an escrow account was only revealed then, which ServiceMac had failed to disclose. This lack of transparency and communication has left me feeling misled and frustrated.

Given these concerns, I am requesting that the Consumer Financial Protection Bureau conduct an investigation into this matter. I believe it is necessary to thoroughly examine the actions taken by ServiceMac , LLC and XXXX XXXX XXXX XXXX particularly regarding the handling of flood insurance and escrow accounts. This investigation should aim to provide clarity on the situation, identify any regulatory violations, and ensure appropriate measures are taken to rectify any discrepancies. It is crucial that consumers are protected and that such oversights are addressed promptly and effectively.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (NV)

Hello. I have XXXX collection accounts on my credit reports from the same company. Someone tried applying for apartments I. My name. I have tried to rectify this situation for the past XXXX months, to no avail. This company refuses to work with me and they refuse to remove the fraudulent information. I have live in the same house since XXXX I bought this house brand new at that time. I am not looking for an apartment, more am I planning on moving. I.Q. Data International needs to remove these accounts from my credit files. XXXX account is for XXXX XXXX XXXX for {$250.00} and the other account is for XXXX XXXX XXXX XXXXXXXX XXXX for {$150.00}. Remove these stupid fraudulent accounts.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I had contacted Chime about the unauthorized transaction on my account. It happened at XXXX my time. I was in bed. My whole paycheck was taken. Total of XXXX dollars was taken out. The place it happened was XXXX XXXX located in XXXX, XXXX. Which is in XXXX. I did my own XXXX map search of it. That's where it took me. And I have repeatedly asked and sent the information to rebuttal their determination. I keep telling them I wasn't the one who did it. I was in bed. I always wait for my check to direct deposit to pay my bills. I went 2 weeks without food and electric because of them. I keep asking for it back. They are not listening to my side. I have done reported them to my local police department who said they keep getting the same type of call I had called in about. I just want my money I had rightfully earned be returned to me.
Consumer complaint received 2022-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE.
Consumer complaint received 2023-04-05
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. (ME)

in accordance with the Fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX. Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U, S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group (MO)

I continue to ask for proof of debt ; some sort of letter that can be mailed to me to prove this is legit and not a scam. The company has said they have sent out many letters and emails- i haven't received one. The lady XXXX offered to email me a letter of correspondence ; but i've yet to receive it. The company clearly has my correct address, yet I haven't received any collection letters. Foster and Monroe are reporting on my XXXX credit report ; however, I still never received any correspondence about this debt from them.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I got an alert from my bank stating that my score went down when I checked my report I found 2 fraudulent accounts on my report the first one was XXXX XXXX XXXX with a balance of XXXX the second was XXXX with a balance of XXXX also there is a hard inquiry from XXXX that should be removed
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Executive Office states they can not trace electronic payments made via their bank to several banks and locate funds associated with those payments which the targeted payees state are lost and have never been received. After spending over one hour on the phone with both Wells Fargo & each of the payees, nothing was resolved except the loss of my funds. 

Thank you for sending your inquiry We have received your inquiry regarding this payment : Payee Name : XXXX XXXX XXXX Payee Nickname : XXXX XXXX XXXX XXXX : {$800.00} Payment Reference Number : XXXX Send On Date : XXXX/XXXX/2016 Your Case Number : XXXX Payee # XXXX Payee Name : XXXX XXXX - CREDIT CARD Payee Nickname : XXXX XXXX - CREDIT Payment Amount : {$1900.00} Payment Reference Number : XXXX Send On Date : XXXX/XXXX/2016 Your Case Number : XXXX
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

Brief history of problems with Mortgage CompanyIn XXXX my ex husband and I sought to refinance the original mortgage combining a second mortgage and securing enough to make significant repairs to the property. The house was not livable and my XXXX year old parents needed to be safe. My ex-husband and I applied to XXXX XXXX who had taken over the mortgage we had for the previous seventeen years. 
The lender turned down the loan but within a few days they contacted my ex-husband and asked him to submit a second set of tax returns. They explained to him what he needed to do and he complied. The loan closed in XXXX of XXXX. In XXXX of XXXX my ex-husband moved out and refused to make the payments. I managed to keep the payments up and had no idea that there were any problems with the loan. The bank had been adding a late charge on the payments made in cash and directly transferred to the loan electronically. This is the system the branch manager set up for us. It was over a year before we learned about the added charges. None of the payments were late according to the stipulations in the note. 
In XXXX the state of Florida granted XXXX service connected veterans a tax exemption for which my father qualified. This became the largest problem. We provided the bank with all of the proper documents in the first week of XXXX. In XXXX they were still escrowed for the taxes. In XXXX I received a check for {$700.00} approx. as a refund for the escrowed taxes. The taxes were XXXX a year so seven months would have been more than that amount. We never did receive an accounting for the funds. 
Late in XXXX my ex-husband filed for bankruptcy in Federal court. This caused the demise of communication with the lender. They would not provide me with the information necessary to make the payments. Without knowing what the actual amount was I continued to pay the last known amount. During a telephone conversation with the loan processing center I learned that due to the fact the payments were not to the penny they were not posted to the loan but placed in suspense. 
The last payment I tried to make they refused to take. 
I sought an attorney to try and resolve this mess. This past week the judge signed an order of foreclosure against me. The day before the court date I received a loan payment statement from Caliber Home Loans. I eagerly called the number on the form to try and resolve this issue. They could not find any record of the loan by number, the property by address or my name. If I had sent them a check where would it have ended up? 
In the foreclosure action they failed to notify my son who is co-owner of the property. Therefore he had no defense. And during the proceedings they amended the original mortgage to include a parcel of land never included in the original mortgage or any subsequent mortgages. It has a separate deed and tax number. Would n't this be considered theft?
Consumer complaint received 2016-01-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TENET HEALTHCARE CORPORATION (TN)

after discharge of bankruptcy, they placed XXXX or XXXX accounts on my credit report as open, that was not on there before bankruptcy was filed but they were included in the bankruptcy. and they when from reporting under central financial to syndicated office systems. These should not have been report after discharge. They Placed it on my credit report about 8 days after final discharge.