davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX and original creditor was XXXX the XXXX XXXX XXXX XXXX  and opened on XX/XX/XXXX. Also, XXXX XXXX XXXX XXXX and original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finally, XXXX XXXX XXXX  and original creditor was XXXX XXXX XXXX XXXX XXXX  and opened on XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

got an alert from XXXX stating that a company used my social security to take a loan out. I have not asked or go to any loan company to ask for a loan i believe the TransUnion pulled the inquiry from a company call XXXX  we been trying to resolve this issue since XXXX.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was sent a letter from bank of America about an account that I never attempted to open, it was mailed to the valid mail address currently for me.i have no accounts open in XXXX as far as bank, or utilities. There should be no more than insurance from medical to bill as I can provide documentation to confirm current mail address :. XXXX XXXX XXXX XXXX XXXX, XXXX all other any other are subject of fraud.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX PL XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

After seeing a bunch of unauthorized charges from a vendor I did not recognize, I reported a fraud claim to my bank, Wells Fargo. After reporting XXXX claim, I noticed I had more unauthorized transactions from same vendor earlier in the year, so I opened a second more detailed claim. Wells Fargo honored the first claim, but determined there was no fraud on the second, even though both are unauthorized charges from same vendor. I need Wells Fargo to honor my XXXX claim is also fraud, as they did my first. Its wrong to ignore fraud. Im out a lot of money and need this refunded back.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (IN)

I contacted this company in regards to an account that was reported to my credit. I have never received notification of this debt to my address. I confirmed my address at which I have lived for over 4 years. I have no knowledge of this account and I called this company to request the validation of the debt so that I may file a police report for fraud. I was told they could not provide the validation and that I would need to file a fraud claim without any information. I explained to the representative and a manager that I was never notified of this debt and I am disputing the validity of the debt under the written law. I requested this company to remove the erroneous illegal derogatory error from my credit report until the validation that I owe this bill could be provided and I was told that it would not be done. This is illegal to not notify a consumer of a debt. I understand my rights and all I am asking is this debt be proven to be mine. This company is refusing to prove I owe and stating I have to prove I don't owe. How can I dispute a bill I have no knowledge of? I am going to pursue legal action for my rights being violated.
Consumer complaint received 2023-03-24
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: JPMORGAN CHASE & CO. (CO)

I owe 10 % of a business two years ago, I had a credit card i open with the company i was let go and my shares of the business was sold. I never hear anything about the business credit card. I never got a statement by mail or access to get statement from online.

after two years the company one day just put it on my personal account due to the company not paying the bill. I have not work for that company for two years and no statements was send to me tell me the payment past due. I was never given a notices about this before they decision to put this on my personal credit and they reported it ask a personal account and not a business account.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I made a payment to my Wells Fargo Visa credit card through transferring the amount of {$4000.00} on XX/XX/21. I monitor the available credit on my cards to maintain a low balance and to help protect against fraudulant activity on my accounts, in doing so I noticed on XX/XX/21 I had an available balance of {$3400.00} for my Wells Fargo Visa which has a credit line of {$5000.00} so I made a payment of {$1600.00} on XX/XX/21 to keep my balance at {$0.00}. Today ( XX/XX/21 ) I signed on to the online portal and to my dismay I saw an available line of credit of ~ {$270.00} which tranlated to me owing {$4700.00}. 

I immediately called the Wells Fargo Customer support line as the math didnt make sense as the transactions including pending transactions didnt total the balance shown. Upon being transferred to the XXXXCustomer Advocacy ' team I was informed that they had a 'glitch ' which applied a duplicate payment to my account and they 'fixed " the glitch. I proceeded to inform the agent that this was completely unacceptable as I had received no communication or advance warning of any these issues and she proceeded to search for a communication or bulletin. After about XXXX minutes of putting me on hold she was unable to refer to any artifacts sent to me notifying of the event and the redaction they applied to my account. I have no fair in their accounting and am now concerned what other alterations have been made to my account without my knowledge.
Consumer complaint received 2024-03-28
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: CITIBANK, N.A. (CA)

I want these inquiries to be deleted because I did not offer these companies to run my credit this is fraudulent. I have attached a report that contains the name of the companies that were not authorized to run my credit.
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

I paid my property tax ( {$4200.00} ) to the XXXX XXXX XXXX Collector directly early XX/XX/2018, ahead of the scheduled payment from my escrow account. I informed Citimortgage and gave them a copy the check and the XXXX payment notice. I was assured that I will get that amount refunded. I received a check dated XX/XX/2018 for the amount of {$3800.00}. I called Citimortgage and was told that the amount was based on their calculations for this year 's escrow and their estimated tax will be higher and my monthly would be lower. I fully understand and expected the increase in Taxes and my monthly dues, but using my money in advance for this mortgage company to use is totally unfair to borrowers.
Consumer complaint received 2018-02-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Your files contain 's inaccurate information as a result of fraud. 

Tenant-Screening checks when XXXX XXXX XXXX uses the services of a third-party background screening company. 

Filing complaint against both XXXX XXXX and background screening companies for alleged violations of the FCRA. XXXX XXXX didnt handle Tenant-Screening reports carefully that is derived from a credit report. 

XXXX and XXXX do not have access to reliable information. 

Personal Information : Intentionally mismatch the Applicants common court history. 

XXXX and XXXX dismissed the Applicant under the guise of allegedly Owing rent and Possession Order. 

The entries XXXX saw on the Applicants credit reports, simply confirmed their own reporting as contained in the Rental Application. 

XXXX also XXXX shares of the organization clearly abuse those theories around XX/XX/XXXX, also XX/XX/XXXX, disconnect occasions. 

Record XXXX and XXXX Status : Closed Type Description : Both Cases Appealed From Lower Courts Action Type : Nonsuit and Rule 11. Written consent of the adverse party has been given. 

Other Complaints : XXXX, XXXX
Consumer complaint received 2021-02-08
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. (WA)

I purchased a fitness watch on XX/XX/XXXX for {$6.00}. It was delivered on XX/XX/XXXX. On XX/XX/XXXX {$93.00} was taken out of my account by XXXX XXXX XXXX. I didn't authorize this transaction for a purse & never received if I supposedly bought it. I didn't even know what was supposedly purchased until I went on the XXXX XXXX site.They have six items you can chose from & one of them was for a purse for {$93.00}. There was no promotional on the fitness watch. I put in a claim with Chase Bank for the {$93.00} & they sent it to XXXX XXXX The claim came back with everything checking out so the {$93.00} was reentered into my checking account. I obtained the tracking number supposedly for this purse & called USPS to track it. It says it was delivered on XX/XX/XXXX. That was for the watch & not the purse. How could I have purchased a purse on XX/XX/XXXX & it then was delivered on XX/XX/XXXX? Now Chase won't credit my acct for the {$93.00} without proof. That email for the watch purchase I received was deleted & no sales slip was in with the watch. This is clearly a scam. I spoke to a fraud attorney & she looked into XXXX XXXX XXXX. The site is only 100 days old. The phone number on the site is for XXXX XXXX and they have been getting numerous calls the same as mine. There were two other numbers given to me by the bank and both those numbers were to private residences so all three numbers are bogus. The address on the site for California is also bogus. That address is for a XXXX XXXX. There is another address in New York that is also unsubstantiated. By the way ... .I didn't purchase the watch on their site. I purchased it after completing a survey so I didn't even know about this XXXX XXXX XXXX until the {$93.00} came out of my account. How can I give proof to Chase Bank when everything is bogus with this fake company? I am contacting the police department also to file a complaint. I need to get the {$93.00} put back in my checking account but Chase won't even listen to me. Could you please help me with dilemma?
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (LA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2018-02-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NV)

My original loan was not with this company. The bought my loan after I closed on my house. The Money Source stopped playing my insurance company forcing me to pay for my homeowners insurance out of pocket. Then said that I have to pay for their insurance. I provided them with proof that I had homeowners insurance and they charged me {$300.00} extra dollars a month anyway for their insurance. This continued for 6 months with no payback of the money they forced us to over pay. They also took $ XXXX out of my escrow and never put it back. They sabotage our refinancing with another company by lying to us and not letting us make our monthly payment. They told us that because we were refinancing our monthly payment would be absorbed into our refinancing and we couldnt make a payment. Then they put a late payment on our credit report so that we couldnt refinance with another company. Ive talked to more than 15 different employees and no one can or is willing to help. Theres never a manager present, and even though they say one will call you back it never happens. This company has lied to us and stole from us.
Consumer complaint received 2018-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

As a part of a cutover to a " new '' website Capital One has retired functionality for consumers to search transaction history. Users are provided recent history and monthly statements, that is it. Search capability had existed for the past two decades.This is a basic feature required for account management. Omitting the capability directly prevents appropriate access to data and is, therefore, a violation of consumer trust, account management and basic access required within the financial industry.
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IA)

We are hoping for assistance to get us back on track with our mortgage. This year has been very tough, starting with a reduction in hours, and then losing my job. With both XXXX and I unemployed, it became very difficult to support our family of XXXX. It was hard but we did our best to keep paying on time but once we were behind, it snowballed. 

We contacted our bank, Wells Fargo, who gave us a list of documents we needed to provide to prove we qualified for help. We sent everything, but when we called, they said they never received it. So we sent it again, hopeful we were on track. This time they said they had gotten it, but it was too late to meet a deadline we didnt know existed! It was strange that the first application that was sent before the deadline was, of course, lost.
Consumer complaint received 2021-12-01
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. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2021-12-01
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. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX )
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NV)

I have had a home mortgage with Quicken, now Rocket Mortgage since XXXX. Every month I schedule a payment via their website. I scheduled a payment for XX/XX/XXXX. Somehow, the payment amount was taken from my XXXX checking account twice. I phoned Rocket and spoke to an agent and explained that a payment was taken from my bank twice. She requested and was given me routing number as well as account number. She stated that it could take as long as 7 days for my reimbursement. 
On XXXX XXXX I again phoned Rocket and spoke to XXXX, having not received my refund. She, once again, stated that it would take another seven days for a refund explaining that the first agent had not processed my request. She added that some " executive committee '' would first have to review my request. XXXX seemed upset when I asked what this " committee '' was.
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (TX)

I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I will be seeking to file a complaint with the FTC and XXXX if this account is not deleted off my consumer report and to my knowledge, I do not recall any of these accounts. I need this problem fixed ASAP. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me. Section XXXX ( a ) it is plainly stated it is plainly stated a failure to investigate these items to immediately remove this item from my credit report. Follow the orders on my cease and desist if not able delete this account immediately.
Consumer complaint received 2021-12-01
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. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1400.00}, dates open XX/XX/XXXX closed XX/XX/XXXX. 

XXXX XXXX ( aka XXXX XXXX ) - balance is showing as {$480.00}, Closed XX/XX/XXXX, opened XX/XX/XXXX XXXX