davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX  Amount : {$53000.00} XXXX Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line.

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. They merely suggest court and contempt of court charges which
actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can.
Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay.

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at
the time of the signing. They should allow for amendments to be made if something changes too.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRSTBANK (AZ)

On XX/XX/2020, I noticed that my bank card from 1st Bank of Colorado was missing from my vehicle in my driveway ( along with two other cards and my license ). At this time, I reported the card stolen to the bank and they sent me a new card. At this time, I noticed two charges pending on my account to XXXX XXXX ( {$29.00} ) and XXXX XXXX ( {$17.00} ) that I did NOT authorize. I have been told previously I could not contest pending charges so I had to wait until they were actually finalized before I could attempt to make a claim. Starting on Monday XX/XX/XXXX, I made attempts to call the bank. Hold times were longer because of the COVID 19 situation. After multiple attempts being on hold and disconnected I went to the website and requested calls from the bank. I did this daily for three or four days until I finally got through on the phone speak to someone about my contested charges. After a couple of weeks, I reached out to the bank via email to ask about the status of the claim and I was told it was denied and to call a specific number for details. The number isn't even an active phone number! I have two other cards that were stolen at the same time and attempted to be used at other establishments. I didn't report them to the police because the banks all claim to have protections for fraudulent charges. I never left my home on the day these charges were made, I have never set foot in the liquor store and have not bought pizza from any XXXX  in months if not years. 

Also, when I checked on the status of this order, I reported a third false charge for {$29.00} made a week earlier on my account and the bank is ignoring any communication about this charge even though I have emails from the company involved saying they have no orders from me. I am attaching the emails for this claim below.
Consumer complaint received 2020-05-25
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: JPMORGAN CHASE & CO. (FL)

JP Morgan Chase # XXXX Just learned that exgirlfriend put me on account as authorized user without my knowledge. It is now on my credit report and keeping me from aquiring a home for my XXXX children. The debt is not mine.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

I am writing today in regards to my account with JPMCB CARD account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : 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 2019-02-20
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. (GA)

XXXX XXXX XXXX XXXX XXXX {$97.00} no valid claim ... account was settled with original creditors by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

U S Bank closed my account because it was suspected to have been used with out my permission then reopened another account with transactions that had already completed ( paid for ) /double posted, instead of applying an adjustment to the account they applied provisional credit credit which I lost the dispute because I was told to ignore submitting documents to prove anything as I had never disputed these transactions with XXXX XXXXXXXX XXXX I had only disputed them with us bank for double posting them. 
Today I see more forced post adjustments that do not even have provisional credits/disputed even attributed them, bring my balance to a negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. It should be negative XXXX XXXX dollars and if all the overdrafts are taken off ( which are due to these provisional credit reversals ) then it would be a positive balance. Im littlerly with out food and Im begging local businesses for water to drink, Im on the brink XXXX XXXXXXXX XXXX XXXX XXXX due to their mistakes due to the result of their fraud detection and closing my account and creating a new one and so on.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX is still reporting a collection to my three credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it. I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX. This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately
Consumer complaint received 2020-11-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX  and XXXX. The complaint numbers were XXXX XXXX TransUnion XXXX, XXXX ( XXXX  ) and XXXX ( XXXX  XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX  or XXXX  to resolve anything. I am also aware that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2023-01-09
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, Equifax and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; If Equifax and XXXX feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-02-01
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. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having trouble submitting my Identity theft Police report to TransUnion. Rather, to have TransUnion accept my Report. TransUnion has made the determination that my " ID Theft Report not valid. '' Could someone at CFPB look at my Identity theft Police Report and tell me the reason or reason it is not valid? I have reached out to TransUnion by letters, but have not yet received a response to any of my letters as to why my Identity Theft Police Report is not valid. 
Likewise, I have brought the TransUnion letter to the XXXX Police Department. The Detective, XXXX XXXX, assigned to my Identity Theft Case does not know the reason why TransUnion has determined that my Identity Theft Police Report is not valid. 
Also, could someone at CFPB tell me what is the criteria that makes or does not make an Identity Theft Police Report not valid? If I have that information, I can inform the XXXX  Police Department to make the correct changes that would make my Identity Theft Police Report valid, so I will be able to submit a valid Police Report To TransUnion.
Consumer complaint received 2020-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

LVNV Funding continues to keep two bogus alleged debts on my credit report for my PERSON. I sent to them professionally and politely both a 15 USC 1692 Notice and Demand to Verify Debt and a request for mutally signed and agreed NOVATION.

LVNV has NOT proven that a legitimate and legal debt even exists, and they certainly have not provided my PERSON with MUTUAL signed novation to  prove legally and lawfully that they have a right to attempt to colect on this bogus and alleged debt. 

I want these items removed. My PERSON will record a LIEN in these alleged amounts plus 3x the amounts and the associated costs.
Consumer complaint received 2022-04-06
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. (AL)

In accordance with the Fair Credit Reporting act the following item ( s ) has violated my rights : 1 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 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 2020-08-20
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. (PA)

My credit file is a disaster because someone has been misusing my information. The credit bureaus have not not been any help. I need these negative items and inquiries off my credit report so that I can obtain credit for my self.
Consumer complaint received 2024-02-01
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. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

I opened a Citibank account through this link : https : XXXX? XXXX & XXXX The offer was for {$700.00} if I moved {$50000.00} of new-to-Citi- funds and maintained a balance of {$50000.00} for 60 days. 

I clicked directly through that link above but the account that appeared when I logged in to my account was a 'Basic Checking ' account. I called Citi 's customer service only to be told that the promotion was not attached to my account. 

A supervisor told me that it would be fixed and attached but upon another call to them to see if that was true, I was told that fixing the problem after the account was open was impossible. A US-based person I reached by calling the number on the offer page confirmed that my account would not be receiving the bonus despite the fact that I applied directly from the link. 

I could not call customer service anymore because I could not trust what their customer service was telling me. One person would confirm that the bonus would be paid, while another would say that it would not. Even supervisors did not know the details of this offer. 

In the end, I had to close the account. Even though I clicked through the link above, the promised bonus was not going to be given.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MO)

I am reporting a problem with citibank ( citi Thank you account ending XXXX ) that took place last winter. I am requesting citi to reinstate the lost points or send me the equivalent monetary value of the earned points. 

I signed up for the above mentioned card under a promotional offer for XXXX citi thank you points. I met the minimum purchase under the terms of the offer and received the XXXX points bonus. I also continued to use the card at time, accumulating additional points throughout the year. 

As the annual fee came due, I decided to consolidate credits cards and not renew this card instead transferring the earned points to another citi account. At the time, my annual fee was overdue, so I called the citi help line to get this resolved and also transfer the points. This call took place on XX/XX/2019. The citi employee who helped me told me that it will take time to unfreeze my account and that I would not be able to see the transfer of points several days later. This employee then proceeded with closing my account and refund the overdue annual fee, therefore clearing my balance. 
I followed with Citibank on XX/XX/XXXX and XX/XX/XXXX and again XX/XX/XXXX as the points had an expiration date and I was worried they will just never transfer and just expire. On XX/XX/XXXX, this call was escalated to a manager who told me that because my account was overdue before closing, they were not able to unfreeze the points, and therefore I will loose them all. 

This is a procedural mistake from citi bank in closing my account and therefore I should not bear the loss of these points. The order should have been to unfreeze the points, transfer them to the requested account, and then close the account per my request. 

XXXX statement has been included as an attachment.
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i
Consumer complaint received 2018-09-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

BACK IN XXXX TO XXXX I BEEN HAVE TROUBLE WITH WELLS FARGO HOME MORTGAGE SO I START SEND WELLS FARGO COPY OF 12 MONTH OF BACK STATEMENT SO WENT I SEND WELLS FARGO ONE YEAR WELLS FARG COME UP WITH SOMETHING ELSE SO SO BACK IN XXXX AND XXXX I START SEND THEM 2 PAYMENT SO IN XXXX THUR XXXX I SEND THEM 2 PAYMENT A MONTH THIS WAS XXXX AND THEN MY PAYMENT WENT FROM XXXX TO XXXX TO XXXX NOW MY PAYMENT IS XXXX SO I ASK WHY WELLS FARGO CLAIM MY TAX AND INSURANCE SO I CHECK INTO THE ASSESSOR AND MY TAX IS ONLY XXXX A YEAR IM TAX EXEMPTION AND MY INSURANCE WENT UP ONLY XXXX A YEAR MORE SO SOME THING WENT WRONG WITH WELLS FARGO SO THEN I ASK FOR AND MODIFICATION AND I WAS TURN DOWN AND I ASK WHY I WAS TOLD MY XXXX XXXX WAS NOT AND HARD SHIP I WAS DIAGNOSIS BACK IN XXXX SO I TRY MY BEST TO KEEP ON WORK AND I JUST COULD NOT GO ANY MORE WITH XXXX I WAS TO EXHAUSTED SO NOW WELLS FARGO SO NOW THE XXXX XXXX IS BACK AND WELLS FARGO SAID THIS IS NOT AND HARD SHIP SO NOW IM TAKEN XXXX AND LIKE I EXPLAIN TO WELLS FARGO I DID NOT ASK FOR THIS XXXX TO COME BACK I WONT TO BE HER FOR MY XXXX KIDS SO I SEND WELLS FARGO COPY OF MY AWARD LETTER FROM MY CHILD SUPPORT AND MY PENSION AND IT MORE ENOUGH TO GET AND MODIFICATION WELLS FARGO IS VERY XXXX I NO AT LEAST XXXX XXXX AMERICAN THAT WELLS FARGO REFUND TO GAVE AND MODIFICATION TO WELLS FARGO WAITE UNTIL U GET YOUR LOAN LOW AND START HARASSING U SO IF MY CONDITION IS NOT HARD SHIP WHAT IS IM NOT ASK TO STAY IN THE HOME FREE. AND THEN I WAS TOLD BY XXXX XXXX, XXXX WHO IS THE POINT OF CONTACT FOR WELLS FARGO SAID ON MY CREDIT REPORT I HAVE AND CARE ON IT YES I DO LIKE I EXPLAIN TO XXXX XXXX XXXX THAT I DONT PAY FOR THIS CAR I TOLD WELLS FARGO THAT I CAN SEND THEM LEGALIZED NOTARIZE DOUCMENT