davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
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. (NE)

I have contacted the credit agency and the company themselves on numerous occasions since XXXX XXXX, 2020. I have both electronically and in writing by mail, submitted my identification documents, proof of address, identity theft reports and additional documentation. I also received notice that this account would be XXXX, deleted from my report and the title to the said vehicle sent to my address. 

The account has been refused to be blocked even after notification of my request for it to be blocked and still reports a $ XXXX balance. This was dealer fraud and the contract is not legit. I was also told I had to purchase a service contract if I wanted the vehicle by the sales manager along with the loan being written when I hadnt taken possession.
Consumer complaint received 2022-02-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX credit reporting agencies both refuse to remove chapter XXXX bankruptcy that was dismissed and no longer legally held against. They continue to respond that it was verified by a third party vendor which is not accurante and XXXX XXXX is providing false information. However XXXX has already deleted from credit report
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

on XX/XX/XXXX I received a notification from credit bureau that a collection has been opened on my credit profile. 
I never lived at that address where the debt collector is suggesting that I owe a balance on. Submitting all proof that I never lived at that address to be able to owe them money.
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

During the first week of XXXX of this year ( 2020 ), I was going over my Transunion credit report when I found two hard inquiries that I did not recognize authorize. Both are from the same company. I sent a dispute letter to Transunion on XXXX/XXXX/2020. The letter was sent certified with return receipt. Transunion received the letter on XXXX/XXXX/2020. They responded with a letter dated XXXX/XXXX/2020. The letter was a generic description of hard inquiries and did nothing to resolve the issue. On XXXX/XXXX/2020, I sent another dispute letter. The letter was received XXXX/XXXX/2020. They are refusing to reply to the 2nd letter and refusing to remove. There was no ambiguity whatsoever in either of the letters. I advised Transunion that I never authorized these 2 inquiries and I want them removed. This is a serious violation of federal law and of my privacy rights. Transunion is wilfully enabling fraud and identity theft and I will make them appear in court if necessary. Everything has been documented and I have copies of the letters. Please see the attached photos and screenshot.
Consumer complaint received 2020-10-22
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. (FL)

I have sent a lot of letters to the credit bureau, because the errors are affecting my credit score a lot, but they don't respond my letters. Please investigate about my case and remove every error on it. I paid accounts with charge-off, and is still appering on my credit report.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (CA)

I have an Bluebird by American Express account and my direct deposit has been held since Sunday night. My deposit was supposed to post Sunday and it is now Tuesday and do not have access to the funds nor have they acknowledged a problem on their end. They send me back to my employer to verify with them that the funds where processed in which they were and everyone at work got paid except for me. Now I have to learn from other card holders that Im not the only one with they issue theres thousands of us.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

In an earlier complaint with CFPB I requested that Wells Fargo inform me of who has the money that was fraudulently taken out of my account as of the date of my complaint. They did not answer my complaint. They told me who they sent it to. They sent it to a third party attorney that works for them. I then sent the below email : From : XXXX XXXX XXXX XXXX Sent : Friday, XX/XX/2020 XXXX XXXX  To : XXXX, XXXX ( XXXX ) XXXX Subject : Request dated XX/XX/2020 re : XXXX XXXX Account Number ending in XXXX Hello XXXX, I understand that Wells Fargo mailed the {$39000.00} from my account to XXXX and XXXX on XX/XX/2020 . 
I would like to request that you contact XXXX and XXXX and request if they still have the {$39000.00}. If they do not still have the money, who was it provided to. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX P.S. If I do not receive an answer by the end of the day, I will contact the Consumer Finance Protection Bureau for help. Thank you very much, XXXX XXXX
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

Hello, I've noticed many unauthorized transactions and brought these matters to the executive office as well. I was promised several calls back and only received 1 out of 5 calls thus far since the month of XXXX. 

I would have a temporarily credit added to my account, that gets reversed without an explanation within a few days later. 

My account is all out of place and it's something that they know and will not tell me. Which I believe is funny business within the company. 

This is a severe issue and I really need someone to look into this company. 

Thank you in advance.
Consumer complaint received 2021-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Hello, I have been now requested to provide a verbal or written clarification on the Hud Settlement Statement attached where I underlined. 

I gave a verbal and requested a update again from the Title Company. 

I received the update from the Closing Attorney for the buyers side by email for the requested information. 

The Miscellaneous section on the Hud Settlement was verified to be XXXX XXXX Taxes no money coming to the seller. 

Now I received the runarounds again and I have to go back to court on XX/XX/2021 with no approval for the short sale again and all of these attached documents requested have been emailed and uploaded to my servicer account. 

I am not trying to be a nuisance, just trying to get my voice to the right department head. 

Please assist. 

XXXX XXXX XXXX XXXX # XXXX XXXX
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (TX)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2021 I sent TransUnion XXXX XXXX a Identity Theft Victim 's Complaint and Affidavit dated XX/XX/2021. The document was also notarized. In the affidavit I clearly explained to them that I was a victim of identity theft and in the document I listed unauthorized inquires that were on my TransUnion credit report and that the items needed to be removed. The company has yet to respond to the letter. I have also called Transunion XXXX XXXX in regards to this matter and they have refused to remove these unauthorized inquires. Also on XX/XX/2021 I sent TransUnion XXXX XXXX a Identity Theft Victim 's Complaint and Affidavit dated XX/XX/2021. The document was also notarized. In the affidavit I clearly explained to them that I was a victim of identity theft and in the document I listed two accounts that were open fraudulently in my name. They responded to this letter but, they stated in their return letter that " TransUnion at this time is unable to block the information you have identified for the following reason : - The document submitted does not appear to be a copy of an official, valid law enforcement report that we can accept as an Identity Theft report. '' I have completed an official Identity Theft Report and I will attach it along with the other Identity Theft Affidavit that I have already submitted to TransUnion XXXX XXXX with this complaint.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (TX)

I have now submitted all necessary documents including new evidence via mail and now electronically here in connection to Identity Theft on this account reporting on my credit file. I have been professionally advised by my legal team that given this new evidence of the crime this is in blatant violation of FCRA law specifically section 605B of the FCRA. I have hired a private investigative team and legal counsel and have been supplied us with new evidence regarding this crime including fraudulent addresses and suspect information that I have since updated on official legal documents in connection to this crime, including updated FTC Identity Theft report. Please note that I've had to have new GOV Identification issued due to the compromised identity and have been advised professional that due to the crime I have legal binding rights to pursue this to the fullest extent possible. Additionally, I'm awaiting further action and evidence to pursue this as long as needed until rectified. The time, damages and monetary loss are being added up and will be all added in connection to this crime. Please update your records and stop reporting inaccurate information about a credit file that is not mine. 

I'm requesting that the following fraudulent items in connection to Identity Theft are removed immediately from my credit file pending further legal action : FRAUDULENT | IDENTITY THEFT | REMOVE FROM CREDIT FILE : 1. XXXX XXXX | XXXX XXXX | XXXX | Balance : {$4200.00} 2. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AZ)

On multiple occasion our mortgage company has caused financial and emotional distress. XX/XX/XXXX we requested a another escrow analysis after only receiving a check and no disclosure statement of the analysis. Today, XX/XX/XXXX after opening our mail read the disclosure statement that states we are required to have {$2200.00} in escrow which is deceptive and misrepresentation. We called Fay Servicing and spoke with XXXX and she said a reanalysis was completed on XX/XX/XXXX and the analysis on XX/XX/XXXX was correct. This is false because ( see understanding your monthly escrow payment amount # 2 ). Additionally, today is XX/XX/2019 and we are just now receiving the new payment amount due XX/XX/2019 only 10 days before the payment due date. We made multiple requests to XXXX to advise the required cushion amount and the only amount she would give is the {$2200.00} but when we called on XX/XX/XXXX we were advised ( 2 ) month of cushion is required. Our new escrow amount is {$360.00}, so a ( 2 ) month cushion would be {$730.00} which is stated on the understanding your monthly escrow payment amount # 2. Once again our current escrow balance is {$2200.00}
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

XXXX I purchase and item from best buy. I did t have the card the store clerk wrote down my account number the next month, I paid the bill according to the account number given. It was wrong. They did not apply it to my account and the monet is lost in their system. I have over paid this account and they are negatively reporting g my late payment refusing to do and investigation
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Credit Bureau Experian has not been updating my delusions and removals. XXXX  numbers are incorrect and I want a critique of my credit report and delete outdated in XXXX also my credit card information is incorrect. Also also XXXX XXXX has to update my credit report from credit XXXX also my XXXX  account is incorrect and I want that fixed thank you
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP (CA)

Since the beginning of 2019, the attorneys at Aldridge Pite have withheld a detailed accounting of the fees and charges that have been added to my mortgage loan which originated with XXXX and was transferred to XXXX without me being notified. 

Moreover, XXXX is suing me in Florida 's XXXX CountyXXXX Judicial Court, Case No. XXXX and Aldridge Pite represents them in that action. For the past 4 months my attorneys and I have asked for a detailed accounting of all the charges the two banks and the law firm have assigned to my loan. To date XXXX, XXXX and its attorneys have failed to provide this information which I am entitled to under the law. I have written countless emails disputing the payoffs amount they have sent to a third party. However, their lawyers will not release the details of the charges added to my mortgage loan. 

Finally, XXXX, XXXX and its attorneys released my loan information to a third party ; this was done without a written authorization signed by me allowing them to publish and share this information with the third party. While willing to share this information with a 3rd party they have failed to provide me with a detailed accounting of all the charges and fees they have added to my mortgage loan. Moreover, the attorneys at Aldridge Pite claim that an email that I sent which was not a release for information, was sufficient for them to give me loan information to a 3rd party and I dispute that claim. 
In short, XXXX, XXXX and Aldridge Pite have engaged in deceitful, unscrupulous and unlawful conduct regarding my mortgage loan and I am requesting that your bureau investigate and censure them.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, TRANSUNION, OR XXXX  is apparently reporting a fraud alert, security freeze or another form of " block '' on my credit file. This is causing me substantial problems in obtaining credit therefore please remove from my files.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

In XXXX I applied for and received a BJS Mastercard from Comenity Bank but because the interest rate was so high I never activated it. At the time I also applied for, paid and received a BJs membership and I used the membership in XXXX only. 

Because I never activated the card, I didn't think a new charge for membership could be added to that card so I never checked notices from BJs until XX/XX/XXXX. I called BJs and Comenity to straighten this out several times saying I never activated the Comenity Mastercard so how could a membership be charged. I told them I had lost the card and if they would send me a new one, I would get a membership. They sent a letter saying they could not validate my address so I couldn't get a new card. 

I called again and told them to cancel everything. Comenity had ruined my credit report saying I defaulted on payments and kept charging me fees. Now my balance was {$180.00} for a credit card and membership I did not have or want. 

From XX/XX/XXXX until XXXX XXXX I made at least 5 calls and was  assured my balance would be wiped out and the card discontinued. Although I do not want this card, I am not sure they have discontinued it and on XX/XX/XXXX I again received an invoice with a balance of {$85.00} which I have paid out of fear that my credit report would continue to tank. 

I also sent a letter to Comenity stating I wanted to contest the fees and in response they said it had been taken care of. 
I am XXXX years old and have had credit and mortgages for over 40 years and have never defaulted! 

I have been very upset over what was originally a {$55.00} membership I told them I did not want and have never used either the BJs membership or the Comenity mastercard. 

Can you help? XXXX Thanks
Consumer complaint received 2020-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

On XXXX XXXX I opened an account with PayPal.com so a customer that owed me money should be able to pay me with his CC, on the same day, PayPal approved the account and the customer received the invoice and paid. 
Originally PayPal said that they will keep the money for 7 days, since it's a new account, on XX/XX/XXXX the day that they were supposed to release the money I got an email saying that they don't want to do business with me. which is ( not ) okay, but they said they're holding the money for 180 days, I tried calling, and there is no one to talk to. 
I asked them to refund the customer, they said they'll still charge the fee, besides, it's not possible to do that either. 
So at this time, no option to refund the customer, they're not allowing me to withdraw the money.
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
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: NAVY FEDERAL CREDIT UNION (TN)

I contacted Navy Federal Credit Union initial in XXXX regarding identity theft claim. Someone opened an account in my name I didnt know until I try to apply for a checking account. The initial claim was denied- no reason given. I appealed my claim providing additional documentation including FTC report and police report. My claim was reopened on XXXX of XXXX. I was advised initial it would take a week and Ill could open account. Next rep said 15 days. So I waited and now there saying they dont know. I asked to be transferred to security department. I spoke to same lady twice advising me I should a response in a day or so. I escalated to her manageXXXX and was advised I would be called back in 24 to 48 hours. No one called. I called again today and demanded that I speak to a manager to get a status update. They stated there was no update and no one was available. I told the rep I was staying in the line until someone was available and the rep stated no and hung up in my face. It forward me to leave a review. This is almost been a month and my last response was 15 days. I am requesting this issue be resolved!
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (SC)

I was told if I got a credit card at XXXX XXXX ( Comenity Bank ) and I could save a certain percentage on the bill. I paid the charges within the time frame of a month. I was told I would not be charged any extra fees but was. I feel as though I am being harassed for a debt I do not owe.
Consumer complaint received 2020-02-14
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. (FL)

XX/XX/ 2016 I financed a car through XXXX XXXX XXXX XXXX ( XXXX ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On transunion they claim it as a repossession and that I owe over {$14000.00} on XXXX it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from XXXX
Consumer complaint received 2017-12-15
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

the department of education /Nelnet are reporting that I student loans, they are reporting on XXXX , XXXX  and XXXX this is n't accurately. 
they have over 12 accounts on my credit report. I have asked for them to send me promissory notes that I have signed that stated that I applied for these loans and they have not sent me anything as will as all proof with DL picture, signature and paperwork. they have not sent any information to me.