davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (IL)

On XX/XX/2023 I requested that my property tax escrow be closed so I can pay my taxes directly. 

On XX/XX/2023 I spoke with XXXX who said that the refund needed a few days to be processed. 

On XX/XX/2023 I spoke with XXXX who told me that the check had been processed and mailed. 

On XX/XX/2023 I called to ask where the check was and spoke with XXXX who said that the escrow analysis had not begun and it would be 7-10 days for them to even recalculate how much money is owed me, then they can mail the check after that. 

This means that XXXX did not tell me the truth on XX/XX/2023 when he said the check had already been mailed.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-10-17
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (TX)

My information was shared with out my permission or signature over a debt that was not mines. I asked them to please cease and desist all calls and contact with me immediately, and they continue to harass me.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I'm disputing accounts on my credit report due to identity theft and demand immediate resolution. Other bureaus and creditors have confirmed fraud, but your bureau 's reporting harms my credit ; investigate and remove the fraudulent account ( XXXX  XXXX XXXX ) promptly or face legal action. Provide written confirmation of the resolution.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

PENTAGON FEDERAL CR UN Account type - Home Equity Date opened - XX/XX/2016 Address XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Above Account created under PENTAGON FEDERAL CR UN without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I went to Huntington Bank on XXXX XXXX XXXX XXXX XXXX, XXXX to make deposit I give my checks to XXXX XXXX XXXX, I give her my ID and my Bank Card, she gives me the receipt. When I check the receipt, my balance was incorrect I ask her to check everything and she told me that is correct balance I was scared that someone stole my money, I come home and check my account. The balance was correct not like on receipt when I check the receipt and my account nr. the nr on receipt was totally different. I come back to bank and find out that she the posit my money to totally different account which was not my. she was very rude no explanation or apology. I need wait so manager can fix this problem. Also is not her first mistake. She should not work in the bank she is very irresponsible person. Its happened on XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to dispute the accuracy of certain information on my credit report, as provided by the three credit bureaus. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. The details of the disputed information are as follows : Creditor Name : Kohls Description of Inaccuracy : The account is reported as " a charge off as bad debt '' when it is closed.

I am disputing this information because the account with Kohls was closed. According to my understanding of the Fair Credit Reporting Act, when a credit card account is closed by the creditor, I reserve the right to give permission to any collection agency to obtain my information. Therefore, it is inaccurate to label the account as " a charge off as bad debt '' when it has been closed. 

As per my rights under the Fair Credit Reporting Act, I am entitled to an investigation of this matter. I request that you conduct a thorough investigation into the disputed items and, if found to be inaccurate, remove or correct them promptly. 

Please provide me with a written explanation of the results of your investigation and any actions taken as a result. Additionally, I request that you provide me with an updated copy of my credit report once the investigation is complete, reflecting any changes made. 

Thank you for your prompt attention to this matter. I look forward to a resolution of this dispute.
Consumer complaint received 2023-10-18
Product: Credit 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: WELLS FARGO & COMPANY (GA)

I was in the XXXX XXXX on vacation when charges were made to my card without my consent. The charges were XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This is a total of USD XXXX. I was also charged foreign transaction fees on this in the amount of USD XXXX. Wells Fargo continues to charge me interest fees on these purchases as well. So far I believe I have paid close to USD XXXX in interest. I have filed a police report with the city of XXXX, Ga ( Case Number # XXXX ), opened three different fraud disputes with Wells Fargo, spoke with investigators at Wells Fargo, gone into a branch to speak with the manager, and spent countless hours on the phone with them only to have all my claims denied. They claim that since I told them I had the card in my possession and a chip transaction was used I am liable. When I went into the branch, I showed the branch manager the card and she said it looked like my card had been tampered with. It looks as if the chip was taken off and replaced with a different one. When in the XXXX XXXX, we stayed at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. We went straight there from the airport and never left once we were there. My wife as well as the friends we went with will testify to this. There was no way for me to make these charges while there. I did not go to these establishments nor know what they are. I am at my wits end with this and do not know what else to do. Please help!
Consumer complaint received 2020-07-01
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. PLEASE KEEP IN MIND THE THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (CA)

I have been a customer of XXXXXXXX XXXX XXXXXXXX ( now XXXX ) since XXXX. Have never been late in payment ; have continued to pay annual fees of {$95.00} ; never exceeded my limit. 
XXXX XXXX informed me that my credit limit has decreased to {$1000.00} due to total amount of credit open. This action has severe negative impact on my credit score which has always been between XXXX. 
I called the company on XX/XX/XXXX and was told this is the company policy. I asked to escalate the issue. As of this date, despite multiple calls, I have not received a call back. 
I am quite sure this is part of the company 's new approach of profiling consumers and don't see any basis for the company 's action because of the following reasons : 1 ) nearly perfect credit score ; 2 ) all credit cards are paid in full each month- with the exception of one where I am taking advantage of free interest ; 3 ) annual income is in the range of {$700000.00} to {$1.00} XXXX ; 4 ) liquid assets are above $ XXXX ; 5 ) have no adverse action or information on my credit. 
At this time, I am asked to pay a {$95.00} annual fee for a credit limit of {$1000.00} which represents nearly 10 % of my credit limit. I have not received any justification for this other than referencing company policy. I have now been on hold for 40 minutes as I complete this claim.
Consumer complaint received 2023-05-10
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is reporting a {$1500.00} collection balance on my credit report that exists due to fraud. I am attaching the FTC fraud affidavit and police report I submitted to XXXX about the matter, but they refuse to remove the fraud from my credit report.
Consumer complaint received 2018-01-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (CA)

I obtained a payday loan in XXXX from XXXX XXXX. My checking account was closed in XXXX due to someone committing fraud on it. As a result XXXX XXXX was unable to collect the debt. A few years went on and I got a call from XXXX XXXX as well as XXXX XXXX XXXX XXXX In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with Ad Astra as well as XXXX XXXX promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX  balance. What Im upset about is that I have called XXXX XXXX 13 times to discuss the removal that was promised. I called Ad Astra 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

complaint against Capital ONE Bank regarding reoccurring late fee charges on my statement please see attached Doc Direct consequence of these Fee have my Capital One Bank account balance exceeded the credit limit, leading to additional fees and penalties. 
The late fees imposed by Capital One Bank due to the inflated bill amount have further exacerbated the financial burden and has caused undue financial strain and inconvenience.
Consumer complaint received 2018-01-10
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)

On XXXX XXXX 2018 I contacted transunion and XXXX about numerous inquiries on my credit report that I did not apply for and they were no help told me to just call the creditor
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NJ)

I am writing to file a formal complaint against I. C Systems Inc for multiple violations of consumer protection laws, as outlined in the CFPB regulations. Despite repeated attempts to rectify this matter, I.C Systems has persisted in their unlawful actions, and I seek your intervention to address these egregious violations. 
Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Failure to Provide Validation Information Under the regulation 12 CFR 1006.34 ( b ) ( 5 ), I.C Systems Inc has failed to provide the necessary validation information pertaining to the alleged debt. Despite my requests for validation, they have neglected to furnish any documentation proving the legitimacy of the debt. 
Violation of 12 CFR 1006.34 ( c ) ( 4 ) : Denial of Dispute Opportunity I have not been afforded the opportunity to dispute the validity of the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ). I.C Systems Inc has disregarded my right to dispute the accuracy of the information reported to consumer reporting agencies. 
Violation of Consumer Rights : Misleading and Deceptive Practices It has come to my attention that I.C Systems Inc has engaged in misleading, misrepresentative, and deceptive practices in their attempts to collect the alleged debt. Such actions constitute a clear violation of consumer rights and undermine the integrity of the debt collection process. 
Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S : Unauthorized Furnishing of Account Information Furthermore, I.C Systems Inc has furnished information to consumer reporting agencies without providing the requisite disclosures mandated by law, in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S. This unauthorized disclosure of account information has resulted in unwarranted damage to my credit report. 
In light of the aforementioned violations, I hereby request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement actions against I.C Systems Inc. Additionally, I urge the Bureau to ensure that [ Name of Collection Agency ] ceases all collection activities related to the disputed debt until these issues are resolved in accordance with the law. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my consumer rights.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

There are multiple mistakes listed from XXXX XXXX XXXX on my reports. I would like to have these " late '' Payments removed under the truth in lending act. On XXXX, it shows late payments in XXXX and XXXX of XXXX for 30 days late each... As well as in XXXX and XX/XX/XXXX for 30 days late. On Both XXXX and XXXX, it list 60 day late payments in XXXX and XXXX of XXXX, which doesn't make sense to be 60 days late in both months. It also shows 60 days late in XXXX and XXXX of XXXX, but paid on time the month before. These should be removed from my credit report for falsely reporting late payments inaccurately.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (FL)

THIS PNC BANK CHARGED-OFF ACCOUNT WITH A BALANCE OF {$1300.00} IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 
I NEVER OPENED THIS FRAUD ACCOUNT AND NEVER LIVED AT THIS ADDRESS ON FILE FOR THIS CARD. 
DELETE THIS INACCURATE FRAUD COLLECTION CHARGED-OFF FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THOSE FRAUD INQUIRIES FROM MY CREDIT REPORT.
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

XX/XX/2022 I logged into my Wells Fargo online account and realized that the balance on my daughters account XXXX XXXXXXXX ( which also is my subaccount ) was very low, just {$680.00} ( I knew it should be about {$5500.00} ). 
I looked the recent activities and found a suspicious transaction on XX/XX/2022 of {$4800.00}. The transaction description was : XXXX XXXX XXXX XXXX XXXX on-line XXXX on XXXX. 
Also when I checked my XXXX  mail box I found unopened emails from Wells Fargo confirming that the following changes have occurred in my bank account on XXXX XXXX XXXX XXXX ( neither me nor my daughter never made that changes ) : XXXX. XX/XX/2022 the XXXX XXXX XXXX had been added XXXX. XX/XX/2022 the email address XXXX had been added ( the original email address linked to my bank account was XXXX. 

Looking ahead, I can tell the email linked to my bank account was changed by hacker because it was possible to login to the email XXXX through browser XXXX XXXX ( the password was saved in XXXX XXXX ). 

XXXX. XX/XX/2022 XXXX XXXX payee had been added Payee Name ( Nickname ) XXXX XXXX XXXX Payee Account Number XXXX Payee Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XX/XX/XXXX XXXXWells Fargo payee had been added Payee Name ( Nickname ) WELLS FARGO CREDIT CA Payee Account Number XXXX Payee Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX I immediately called to my daughter to confirm that it was not her made all that changes and transaction of {$4800.00}. She confirmed that she never did that. Also neither me neither my daughter never had an account in XXXX XXXX. 
I immediately called to Well Fargo trying to cancel that fraud transaction, but it was already too late to cancel it. 

Wells Fargo started case # XXXX, they made investigation and they had closed it, claiming that the transaction was made by me or by my daughter. 
The proofs were that the transaction was made from the same IP that was normally used. 

I use XXXX computers which are in my home, so Wells Fargo trying to say that the t/a was made from XXXX of these computer. 
What I think is that there was probably a way for fraudsters to use my computer remotely. Fraudsters probably infected my computer with a virus and then remotely did all that actions, so it looked like it was made from my computer, thats why Wells Fargo see the same IP address that was normaly used.

Another thing is that I saved my Wells Fargo bank account password in XXXX XXXX browser, I thought it was safe to do that. 
See what XXXX XXXX says about that : " Is it safe to save password in XXXX account? Answer : XXXX never learns your usernames or passwords during this process. When you use XXXX to sign in to a website, XXXX encrypts your username and password with a secret key known only to your device. Then it sends an obscured copy of your data to XXXX. '' So I thought it was safe to keep passwords from my Well Fargo account and XXXX account in XXXX XXXX  XXXX. But looks like it was totally unsafe. 

Thank you for trying to help!
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX 2 transfers from my account occurred to XXXX XXXX XXXX. One for {$9000.00} and one for {$8000.00}. I immediately filed a claim with wells fargo for fraud. Today, XXXX/XXXX/20, Wells fargo ruled against me! I do now know who stole my money. I do not know how they stole my money but I had nothing to do with this theft. PLEASE HELP ME. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

5/3 bank jerked me around on a short sale on my home. They took much longer then promised and caused the buyer to walk. They then offered me a deed-in-lieu. I signed all the paperwork, appraisal was done and received by me stating to go ahead with the deed-in-lieu. Asked for an update in XXXX and was told that it was awaiting HUD approval or denial. Got told yesterday that they had closed my file on XXXX XXXX with no resolution from HUD.