davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

On XX/XX/2023, I discovered someone stole my social security number and used my name to open fraudulent accounts with credit card companies, according to my credit report. 

The person who stole my identity is unknown but who used the address. 
" XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ''. 
The phone number " XXXX '' is not mine to open the account. 

One of them is Discover Card : Discover ( Opened on XX/XX/2023, they spent {$700.00} ). 

I've reported to the creditor in XX/XX/2023 when I found out and reported to my local police department - XXXX XXXX XXXX, XXXX Case ID # XXXX. I've been called the company to follow up on the progress but they've kept saying it's under investigation. And I've not yet received any written documents regarding this issue. 

I attached my police report for your reference. Please assist address the issue. Thank you.
Consumer complaint received 2021-09-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (SC)

I was approved for a VA Loan modification per COVID-19 Home Retention Waterfall and COVID-19 Refund Modification.

The VA assisted me with securing a loan modification after a year long battle during the COVID-19 forebearance process. Mr. Cooper failed to acknowledge the receipt of the required forbearance information, even though I submitted it to them ( timely ) on three to four separate occasions.

My loan modification was approved and I closed with Mr Cooper 's assigned mobile notary closer in May. The first payment was set for XX/XX/XXXX. Mr. Cooper 's closer submitted the signed documents. In XXXX, Mr. Cooper called demanding {$800.00} for a trial period ( not required per VA ). When I informed Mr. Cooper that I had an approved loan modification in place, I was told there was no record although a previous representative had informed me otherwise. 

I received a second set of loan modification documents with a new payment start date. I arranged a second mobile closing with the same Mr. Cooper notary for XX/XX/XXXX. The documents were signed and returned to Mr. Cooper via XXXX. The first mortgage payment date was XX/XX/XXXX. We paid our mortgage as agreed on XXXX and again on XXXX. However, Mr. Cooper has not posted payment after cashing the check. Mr. Cooper continues to send me notices demanding over {$15000.00} in default payments. I have come home twice in XXXX to find demand notices taped to my front door ( publicly embarrassing ). 

I am receiving calls from Mr. Cooper several times a week demanding {$800.00} for a trial period. Mr. Cooper representatives claim that no record of the loan modification is showing. Some representatives seek {$800.00} and others erroneously demand {$15000.00} or they are going to default my mortgage and report to the credit bureaus. 

I believe Mr. Cooper is aggressively moving forward with a discriminatory foreclosure process. I have been devastated by this ordeal. Due to COVID-19 we needed a forbearance for just a couple of months. But due to Mr. Cooper 's questionable tactics and potentially discriminatory practices, this process has taken more than a year. I am an XXXX XXXX veteran dealing with a VA mortgage loan modification nightmare during the COVID-19 emergency period. Please protect this consumer 's rights. 

Thank you.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (TX)

I received a Wells Fargo credit card while working with the company XXXX by XXXX. The card was specially applied for to cover home improvement services. 
While working with the closet by design team, we were not clearly explained the terms of the card. The card had a deferred payment amount of {$10000.00}. If not paid within 12 months, we were told wed be charged interest. What we did not know is that interest would be charge for the whole original amount. 
On XX/XX/XXXX with the remainder balance of {$1500.00} we were charged an interest on top of {$2600.00}. Have we known the interest would be charge on the original amount we wouldve paid it off. 
As of XX/XX/XXXX the card is fully paid off outside of the charged interest amount. 
I filed a dispute with Wells Fargo on XX/XX/XXXX and have not received a positive outcome.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX sent me a letter denying me credit based on Serious deliquency and public record or collection filed. Proportion of balances on credit limits on bank/natl revolving accts or other rev accts to high. Length of time accounts have been established. Too many inquiries last 12 months.

The reports they used to make an analysis on my credit is erroneous and violates the fair credit act can not be 100 percent verifiable. I need to know what reports this bank used to make their analysis. They only stated Experian was the source. This is a red lining tactic done by this bank which is illegal.
Consumer complaint received 2022-11-19
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. (OR)

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 

XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-19
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. (TN)

I have disputed an account since 2019, it was deleted by XXXX XXXX, then they sold it to XXXX XXXX all through Transunion and they have not investigated properly even with all the disputes I have done and giving for 3 years. Transunion only reported remains after first deletion. XX/XX/2019. How the same account is accurate and deleted. no other bureau has reported this because its not any evidence or any proof, but same name and same date of birth.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XXXX/21 I sent in a FTC report, as the Federal Law tells me to do, Because I reviewed my report and noticed Fraudulent accounts or accounts that dont belong to me. I was told the would investigate. Well its been months. Nothing has changed. I started to do research and found per FCRA 605B All Fraudulent information must me blocked from my credit file. Its bad enough someone used my information, but the worst part is Im stuck trying to prove myself and get my identity back. Its is really sad. Its seems like I need to file a complaint against XXXX XXXX and Experian with FTC and XXXX. Because Ive never done business these companies or entered into a signed contract with. 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX
Consumer complaint received 2018-02-19
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. (FL)

greetings, I have been trying for the past year to get these credit reporting companies to remove inquiries that are being reported on my credit file due to fraud and they still have not done anything about it at all. I am a XXXX percent XXXX veteran that was living out of the country and yet they was items reporting on my credit profile. I don't need a car and yet they are tons of inquiries about vehicle purchases, loans etc. I don't have the luxury like others to pay a repair company to fix my credit especially when it is not my fault. 
I know that they are doing a business and that they are hurting individuals badly, with that being said my credit score has suffered drastically because of the wrong report on my profile and now I can not even get a VA loan to help my family and put a roof over their head. 
They are still reporting accounts that have been closed and that was fraudulent for years, i need help on suiing them because that is the only way they will listen and do their job nd remove these items from my credit profile asap.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (FL)

Multiple times I have requested that my non-public personal information and XXXX is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, to stop disclosing, to any and all non affiliate third parties. For example, Credit reporting Agencies, which are clearly by definition, non-affiliate third parties and qualify under the FCRA and the Dodd Frank Act for consumer privacy protection as non- affiliated third party. They have refused to stop disclosing and continue to violate my personal private information without my express written consent. Under the FCRA the Dodd Frank Act and the Privacy Act of 1974. This must stop immediately.
Consumer complaint received 2018-02-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/XXXX an employee of the Bank of America XXXX XXXX XXXX sent an international wire to XXXX XXXX without first negotiating the correct bank and its destination. The Funds Transfer Request Authorization transaction form records that funds of XXXX dollars were sent mistakenly to XXXX , an " additional '' or intermediary bank. THE final destination, a building society XXXX, however, was not written into the transaction at all. XXXX only uses XXXX as a clearinghouse for large automated tasks. The employee ignored the absolute necessity of listing two banks. Rather, he omitted XXXX, and gave the name and account number directly allocated to XXXX and its enormous headquarters in XXXX. This account number and name would only have legitimacy or meaning at XXXX XXXX XXXX, and not at XXXX XXXX main headquarters. On XX/XX/XXXX, after our trip, we studied the form and agreed to cancel the transaction using the Bank of America collect call overseas number on our FTRA form. We called again on XX/XX/XXXX and XX/XX/XXXX, but the transaction had not been cancelled because of their completely new requirement for XXXX to respond to their faulty wire transaction. We needed to explain repeatedly that we do not have an account at XXXX, and insisted that the error be corrected and our funds returned. On XX/XX/XXXX we have yet to ascertain the situation, although our funds have been " floating '' or " on hold '' now for 19 days because of the seriousness of the bank error. To prove our affiliation we have a checking account, checks, debit card and credit card with the correct XXXX account number ; XXXX is simply not able to recognise this transaction.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

This is for my XXXX XXXX XXXX ending in # XXXX. 

In order to business with XXXX factories from the USA ... the only payment method is Credit Card I had a {$4000.00} balance on my cc with a $ XXXX line of credit. 

I borrowed approx. {$2500.00} as a cash advance from XXXX. The next day I paid back {$5000.00} in cash to XXXX ... double what I borrowed. 

The cc company applied the $ XXXX I sent in to pay back my other cc balance, paid less than half of the cash advance balance ... and charged me ( and are still charging me ) the huge interest rate for the cash advance ... even though I paid back actually more than twice what I borrowed. 

This is fraud.
Consumer complaint received 2024-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX of 2023 I was notified of hard inquiries on my credit report from a company by the name of XXXX, they had put hard inquiries from XXXX XXXX XXXX, XXXX, XXXX. And Capital One auto finance. On XX/XX/year>. I have never dealt with the company XXXX, they did a 60 day investigation and they sent me a letter on XX/XX/XXXX of 2023 showing identity theft was proven and that they would have the hard inquiries off of my Credit report.. I was told that I would have to go back to the company 's of XXXX and XXXX and a fraud or identity theft report which was all that was already done And sent to XXXX XXXX XXXX. They asked me if XXXX XXXX XXXX was off my report and I said yes, it was, but they put other hard inquiries on my report which was not me. Proven by the identity theft report that was sent by the investigation done by XXXX. I got a letter today on XX/XX/XXXX, from XXXX XXXX stating that I would have to get in contact with XXXX because they are the ones that put the hard inquiry request to XXXX XXXX, so it's gone in a circle back-and-forth. All I ask is for XXXX to remove the 2 inquiries from XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX On XX/XX/year> and the XXXX. Report of Capital, one auto finance on XX/XX/XXXX of 2023 thank you. I also did a XXXX XXXX XXXX complaint of XXXX.XXXX  XXXX, XXXX Capitol one Auto Finance XXXX and XXXX XXXX
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (TX)

Received a notice on my credit report that a collection from Commonwealth financial systems was added to my account stating that I owed {$80.00} on an account. I had not received anything in the mail or spoken to anyone about this collection. I called the debt collector and spoke with XXXX XXXX and asked for Validity of the account. The representative stated he will be glad to send it to me. I received the information in the mail, with the letter being dated for XX/XX/XXXX, it did not show validity of the account only stating what I owed. From my research this company is not bonded to collect in the state of Texas. I pursued on XX/XX/XXXX to contact XXXX on this matter. I asked for the Bond number but XXXX stated that he did not have to give me that information, that it had nothing to do with me. He continuously repeated that they are bonded in the state of Texas and that is why they are contacting me but still refused to give me the information that I asked. I even asked if it could be under a different name, he said that this matter did not concern me and told me to have a nice day. From my research Commonwealth Financial Systems is not bonded in the state of Texas.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Ive expressed my frustration with capital one regarding my late payment thats reporting. Capital one is furnishing an inaccurate and incorrect reporting. 

No, The reporting of such an accurate information has caused severe damage to my character my reputation my way of living my abilities, obtain credit for personal house purposes this has severely damaged my livelihood. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

My TRANSACTIONS is my payment history And my experience is the amount of credit im using that was extended to me. 

So the law clearly stats that my credit report should NOT include TRANSACTIONS AND EXPERIENCES which it currently does which would be against what the law mentions.
Consumer complaint received 2021-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FRESNO CREDIT BUREAU (CA)

I received a collection notice from XXXX XXXX on XX/XX/XXXX, I've contacted them multiple times and explained to them this is not my account. I've contacted the Credit Bureaus as well and they continue to report this fraudulent collection on my XXXX  and XXXX XXXX Credit Reports.

I've been dealing with Identity Theft matters since XXXX and on XX/XX/XXXX I received multiple voicemail messages and emails, my bank accounts, credit card accounts and personal email accounts were compromised without my knowledge and/or consent. I called my bank ; I called all my credit card accounts and auto loan account. A person pretending to be me attempted to access all my accounts, they scheduled approximately {$250000.00} in payments from my checking account. They applied for multiple lines of credit and attempted to make additional purchases with my accounts. They changed my login and contact information for my credit card accounts, bank accounts and my email accounts. They also created fake email accounts in my name. Im confident that I know who did this to me, because this has happened before, and it was my mother and my brother. My moms name is XXXX XXXX XXXX and my brothers name is XXXX XXXX XXXX. My mother and brother have all my personal information and I believe they are trying to destroy my life. 

I had fraud alerts on my credit profile, but they were still able to access my credit profile. Ive had an on-going battle with the credit bureaus and creditors trying to clear my name from this fraudulent activity. I continue to write to the credit bureaus and Creditors Bureaus USA Collection Company ; however, I continuously receive responses from the credit bureaus and creditors that this account is verify as accurate and correct. This has got to stop ; the credit bureaus and creditors need to immediately clear my name from this fraudulent activity. I will continue to fight and clear my name and I will utilize every legal resource to clear my name from this continued fraudulent activity. I will be filing additional complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission. I will also take legal action against the credit bureaus and creditors if they do not clear my name from this fraudulent activity.
Consumer complaint received 2021-06-08
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)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-05-01
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. (MS)

In accordance with the fair credit Reporting Act XXXX Account XXXX, XXXX has violated my right. 
15 USC1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I Purchased a home through the builder XXXX who sold our mortgage to Loancare LLC. They have serviced our mortgage since XXXX and we have experienced several issues with the company. We are being told that we must carry an escrow account with Loancare that then they are responsible for paying our taxes and home owners insurance. For the last three years Loancare has payed our taxes and Homeowners late. We have contacted the company every year to discontinue our escrow account and begin paying taxes and homeowners ourselves and every year they give us a different story for not being able to discontinue the escrow account. The first response said that we needed to carry the loan for 2 years before we could discontinue the escrow account. Now that we are 3 years in with Loancare as our mortgage holder they say that we have to be under 80 % on our principle. We spoke with them on XX/XX/XXXX when they were asked how we can make sure that they make our payments on time the person explained that there is nothing that we can do and if our homeowners insurance lapses then that sucks and we are responsible. My wife and I are beside ourselves with this response and are very concerned. Our insurance lapses in XXXX every year and we are not covered under homeowners insurance from XX/XX/XXXX until whenever Loancare decides to pay the taxes and homeowners. We are also being penalized and having to pay more in our property taxes due to the late payment. We feel helpless in this situation and are trying to figure out how to sell our home in order to get out from under Loancare.