davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I contacted experian letting them know I have a written agreement with the XXXX XXXX   XXXX who is no longer managed by XXXX XXXX. XXXX XXXX XXXX   never sent me anything in writing of such debt I dont have a contractual agreement with XXXX XXXX XXXX legally they dont have to report
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I have contacted the FTC and local police department. I am now reaching out for your help with this issue. I need this items deleted from my credit report : 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 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 name : XXXX XXXX Account numberXXXX has violated my rights. Or 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 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I closed my chase checking account on or about XX/XX/2021. The reason I closed the account was XXXX fraudulently took {$650.00} and {$650.00} a second time for a total of {$1300.00}. I went into Chase bank and reported it as fraud. I attempted to purchase a puppy off XXXX for {$650.00} but XXXX sent that amount twice! 
1 ) First of all I never received a puppy 2 ) Second, I never purchased 2 puppy 's, only 1 which I never received. 
3 ) This entire post and purchase was fraudulent.

4 ) My SSDI check went direct deposit into the chase checking account in the amount of {$1200.00} on XX/XX/2021. Since chase was showing a negative balance due to the fraudulent puppy purchase of {$650.00} X {$650.00} or {$1300.00}, chase applied my XXXX check to said negative balance and overdraft fees associated with it. 
5 ) That transaction left a negative balance in my chase checking account.

6 ) Even though the account was closed, Treasury direct deposited my VA XXXX check into the closed Chase checking account despite me calling VA by XX/XX/XXXX and providing the VA my new routing and account number so my XXXX check would be sent to my new bank, VA sent my check to the closed Chase checking account. 
7 ) I now have a positive balance of {$3600.00} in my closed chase checking account and chase will not release my money to me. I was at the chase branch in XXXX, TX. this morning to no avail. 
8 ) I am a totally and permanently XXXX XXXX Veteran and my checks from XXXX & VA are what I live on, so now I can not pay my bills.
Consumer complaint received 2021-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MS)

I have disputed this account already and said that the dispute was complete, and that it was removed from my credit report. Well it is not removed and still affecting my credit. I am attempting to seriously change and better my credit so I would like this off of my report like they say it was.
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2018-09-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXXXXXX ordered the Trustee ( XXXX XXXX ) to illegally and tactfully foreclose on my property on XX/XX/2018 and now they refuse to provide information to identify which entities the monies where distributed to with my equity. There are clear fraudulent activities taking place with total lack of transparency and accountability on XXXX 's part. On multiple complaints, I have requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to. The responses and answers clearly indicates that XXXXXXXX XXXX XXXXXXXX is hiding critical information and committing FRAUD. 

Their response is as follows.. 

First response : " It's a Conventional loan. '' Second Response : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and XXXX is not required to provide that information to you. '' Third Response : " XXXX  is not required to provide any information to you once the property was foreclosed and you are no longer responsible for the loan. No further information will be provided. '' Important note : The Federal Court filing of Trustee for the Certificate-Holders of XXXX , XXXX, Alternative Loan Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ; IS NOT the correct Certificate number that was filed with the Federal Court. The true and correct Certificate is XXXX Mortgage Pass-ThroughTrust Series XXXX. If XXXX   continues to refuse to provide the basic recipient information of the funds disbursed, I respectfully request that CFPB opens a Level II investigation on this complaint.
Consumer complaint received 2018-09-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BBVA FINANCIAL CORPORATION (TX)

This response is with regard to Complaint # XXXX My name is XXXX XXXX. I had thru XX/XX/2018 to provide a feedback to Compass Banks response. Unfortunately I messed it up and sent a feedback that was completely blank. I am sending this feedback via the attached file. I hope it is accepted and the case remains open. 

My email address is XXXX and I may be reached at ( XXXX ) XXXX. 

I would appreciate an acknowledgement. 

Regards, XXXX XXXX
Consumer complaint received 2020-09-07
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. (AZ)

Navient loan is reporting an incorrect amount on my TransUnion credit report. On XX/XX/2020 I submitted a dispute to correct the information and TransUnion has now completed their investigation but nothing has changed. This clearly shows that they did not investigate the dispute and now is a violation of the FCRA as items are to be accurate on a credit report. I want this item to be deleted. 

Account is DPT ED/XXXX # XXXX
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I just received notice that my existing CFPB Complaint # XXXX is closed and XXXX XXXX XXXX has still continued to report erroneous ratings to Experian for my mortgage account. They acknowledged the reporting was not correct and that corrections were made, but this is not the case. Please assist in having them comply, they have violated by rights under Bankruptcy already and I do n't feel they are completing the tasks that they promised on.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Revolving balance previously {$570.00} at 9.99 % was moved to higher rate of 23.07 %, after charge of {$740.00} was charged at higher rate on XX/XX/XXXX18.  However, this charge of {$740.00} was also paid in full on XX/XX/XXXX18, in additional to and above minimum payment of {$27.00} ( totaling {$95.00} - paid XX/XX/XXXX and XX/XX/XXXX ). Was told we paid the higher rate balance too soon ... and should have  waited for billing statement to generate so system could apply it at higher rate. Advised that is not what the CARD ACT states. If I charge {$740.00} and then pay in full the entire amount the same month or in this case weeks later, the revolving balance should not be moved to higher rate. We should not have been penalized for paying ( a higher charge balance ) too soon. Seeking to have funds applied as intended and as CARD ACT states, payments should have been applied to higher balance first. At this point, payment application needs to be reversed and reapplied to higher rate first, regardless of when " statement generate '' date is. There is no exception for a " statement generate date '' in Card ACT and doesn't appear to have been the intention of same. Which means many others are also being negatively impacted by this systematic error in programming done by Capital One/Cabela 's
Consumer complaint received 2019-11-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that TD AUTO FINANCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

Wells fargo has repeatedly denied claims of fraud for a total of XXXX dollars even though we have established that the transfer of some of the funds was fraudulent after repeated times reaching out to the XXXX office we still can get no where the money was withdrawn from a wells fargo atm in XXXX  over XXXX hrs away while i had just gotten home from work with the card still in our house i am tired of being called a liar and that we couldn't have had the card here and the card was used on XX/XX/XXXX at XXXX am when i had gotten home at XXXX am when XXXX days prior the card was supposed to have been canceled on XX/XX/XXXX Due to people trying to use it in XXXX XXXX  once again
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (DE)

I 'm attempting to refinance a home equity line of credit with XXXX. XXXX pulled a property title report showing an unresolved lien from XXXX from XX/XX/XXXX as well as the current mortgage, which was acquired by XXXX in XX/XX/XXXX.
I e-mail 'd XXXX XX/XX/XXXX, to request the lien be released. I received an e-mail reply from an XXXX XXXX that this request had been prioritized with the Lien Release Team and would be completed in 30 business days.
OnXX/XX/XXXX, I e-mail 'd and requested a status. I received a reply from XXXX XXXX XXXX that the request would be completed in another 15 business days.
On XX/XX/XXXX, I spoke with a XXXX XXXX at XXXX, x XXXX, who told me the lien release request had supposedly been escalated after my last e-mail, and he would call me back within 1 business day. I never received a return call, nor has he responded to v-mails I 've left since.
On XX/XX/XXXX, I opened a complaint with the Delaware Attorney General 's Fraud and Consumer Protection Division and e-mail 'd XXXX and advised them I 've filed the complaint. I have not received any response from XXXX.
The AG 's office suggested I contact the CFPB.
Consumer complaint received 2020-08-19
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. (GA)

I am filing this complaint against XXXX  XXXX. I have requested information from XXXX  to confirm if a debt is accurate. I included my social security card and drivers licensed. The company did not respond. An example of how serious this fraud claim is, XXXX XXXX XXXX Account # XXXX for Loan Amount {$5500.00}. This company is committing fraud. I am requesting that XXXX  request the original contract and any move-in sheets before and after be provided. Companies are able to put these false claims on a credit report without having any documentation to show an agreement existed or that the amounts owed are accurate. In the case of XXXX XXXX XXXX, representing XXXX XXXX. I never signed a lease with the apartment complex. When I asked to sign my lease the managers assistant told me not too. When I moved into the apartment I was harassed so much by management because the assistant saw the error the manager made and use me to get the attention to its corporate office. I was recovering from XXXX and stage XXXX XXXX and the harassment was affecting my health. I would request heat and get no response ( remember my health was bad ), I provided documentation to show how roaches and ants was coming through several unsealed cracks. The management said it was renovated! 
XXXX  needs to request the signed lease and pre moved signed check list for XXXX XXXX under XXXX XXXX from the XXXX XXXX XXXX. This same request for information is for XXXX XXXX XXXX XXXXt Account Number XXXX. In the case of Account number XXXX for {$2400.00}. I cancelled my XXXX service with XXXX XXXX XXXX in XXXX for poor billing process. As a result I am requesting the original contract for my phone service and the cancellation documentation for XXXX service. 
The account XXXX XXXX XXXX Account Number XXXX {$4400.00} is an account I tried to contact but the company would not send the original contract for me to review. Please have XXXX  send these companies my request for documentation to prevent fraud on my report. I am sending this request through the CFB to track the response from XXXX  for these requests. If this information is not provided by XXXX  with in 30 days, I would like the account removed from my credit report until the information is provided. I am exercising my rights under Fair Credit Reporting Act 609 and 611. 

Attached are the accounts from my report in which I am requesting the original documentation. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I began paying off and paying down balances on ( 2 ) Capital one credit cards in XX/XX/XXXX. Including paying off total balance on 1 card on XX/XX/XXXX. The bill due date for this card in on the XX/XX/XXXX of each month. the Bill due date for my other card is the XX/XX/XXXX of each month. Capital one has stopped reporting to the ( 3 ) credit bureaus since I began paying down the balances. Capital one has also changed statement date online to further conceal credit score manipulation. Any month that these ( 2 ) cards had high balances or late payments the correct info reflecting such was reported timely to all ( 3 ) bureaus but all months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) in which balances were being reduced or completely paid off, the information was either reported inaccurately to the bureaus or not reported at all. This is blatent credit score manipulation in which Capital One actively and aggressively takes steps to keep consumers credit scores low. I have attached reports from all ( 3 ) credit reporting agencies to confirm this as well as screen prints from my account access with capital one. I have spoken with Capital one customer care on several occasions to resolve this issue and have been told each time that my updated account info was reported to XXXX, XXXX  and XXXX  on the XX/XX/XXXX of each month. My most recent call to them on XX/XX/XXXX i was then told that my account history was reported on the XX/XX/XXXX of each month. These have clearly been lies as confirmed by my attached documents of credit reports provided directly from XXXX, XXXX and XXXX.
Consumer complaint received 2022-04-05
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: TRUIST FINANCIAL CORPORATION (NC)

I made a purchase that turned out to be from a fraudulent seller, Truist is refusing to re-open the claim because it " timed out '' as I never received their mail. They never notified me the claim was being closed, or that the merchant responded to their request for information. Instead of a kids 400+lb playset, we received a pair of fake sunglasses, but nobody along the way reviewed the tracking information to see that what was sent was not what was ordered and the seller will not respond of course as they are fraudulent. Multiple times I've been told by Truist, over the course of a few months, that I would be getting a call back from their supervisors, but the calls never come.
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (SC)

XXXX  XXXX   XXXX keep sending me collection for past car insurance that I paid in XXXX. I want to purchase a home but this charge keep coming up. They sent me a listing of all my payments and I showed where I paid double. I left XXXX XXXX because of their tactics and I have been disputing this charge every since. Against my better judgment I paid again because I was trying to purchase a home. Caine and weiner sent a settlement letter dated XX/XX/XXXX. I paid {$350.00} by XX/XX/XXXX per the settlement letter. Confirmation # XXXX Acct # XXXX. I called back. I was told I now have a remaining balance. I asked for charge to reflect paid on credit report. Nothing. 

I am now seeking assistance as this agency is not being fair. Help me get this resolved.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ZWICKER & ASSOCIATES (GA)

Ive paid XXXX by XXXX XXXX Bank XXXX for a loan amount that I owed. The bank hired zwicker and associates pc to collect the damn. I negotiated a payoff in the amount of XXXX and paid the balance in two payments. Payment one was on XX/XX/21 in the amount of XXXX and the second on XX/XX/21 in the amount of XXXX. Ive contacted both Zwicker and XXXX by XXXX XXXX and they have both been no help. I have a paid off balance letter from Zwicker and XXXX XXXX XXXX XXXX says they do not have it and I still owe the balance. The XXXX companies will not speak to each other as Ive tried everything as a consumer to get this fixed. XXXX has no way of contacting Zwicker to get this updated. They have been reporting that I still owe a balance and reporting me late every month for something I do not owe.
Consumer complaint received 2023-01-30
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. (NV)

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : Experian, XXXX and XXXX