davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A combination of being the victim of the Transunion Inquiry issue and Identity being stolen. I have had multiple inquires that were not from me or initiated by me on my Transunion credit report. I have attempted to speak with supervisors about the issue and have written multiple letters in regards to this matter with no avail. The inquires that are to be removed are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-16
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)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX Balance XXXX {$860.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX CHOICE RECOVERY XXXX CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX CHOICE RECOVERY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I contacted Citibank in reference to The charges below which were not Authorized by me, The card holder, XXXX XXXX. See XXXX transactions below. 
Unauthorized charges on my Citibank XXXX XXXX Totaling Amount {$6300.00} Ive contacted OHIO XXXX XXXX 3 times and no response. Phone # ( XXXX ) or ( XXXX ) XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$18.00} XXXX  online @ XXXX XXXX. XX/XX/XXXX {$41.00} XXXX  online @ XXXX XXXX. XX/XX/XXXX {$150.00} XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  @ XXXX XXXX. XX/XX/XXXX {$450.00} XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio  XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX  XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$7.00} XXXX @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  XXXX @ XXXX XXXX. XX/XX/XXXX {$27.00} XXXX XXXX @ XXXX XXXX
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (SC)

XX/XX/2022, Hunter Warfield I am replying to complaint # XXXX. I have attached document that you attached to the complaint number above. Along with a letter that I mailed to your business. Be advised that you have already violated the fair debt collections practices act be providing me with a deceptive form. As the law states -15 U.S. Code 1692j - Furnishing certain deceptive forms- ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2022-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

Nelnet has unfairly reported to my credit bureau that my student loans are defaulted and have missed payments when i am supposed to be protected by Biden 's student loan pause. I have received many phone calls from them stating that first I did not have a federal student loan and then when i informed then that it was a federal loan they then stated that my loans were too old to be covered under the student loan pause. I did try to work the person who called me but they told me to do my own research because i was wrong and then hung on me. 
I believe that they have now turned my account over to a collection agency and have placed damaging remarks on my credit report.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Dear CFPB Management : XXXX XXXX wiht the Wells Fargo management team provided no reasonable explanation and credit me {$130.00}. So Wells Fargo are on the right track but short {$3100.00} in credits due. 

I have a wells Fargo account and they freeze my account over the course of the last year despite me written complaints. Letter dated XXXX XX/XX/2022. They simply ignore all my written verbal complaints Wells Fargo Security Manager Re : WF security Dening transactions from approved vendors My letter : Dear Wells Fargo Security Managers : Thank you for the overreaching security it needs to modify a tad to fit this large depositor/client 's needs. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX See the Wells Fargo e-mails used in this letter. I would appreciate Wells Fargo management team looking at my account. I have never had manager look at my account or call or get on the phone in 6 months ' time. I endured many unnecessary account blocks and strandings in foreign countries. The last WF unwarranted block and stranding was with XXXX XXXX based in the XXXX left me stranded in XXXX. Im sorry, but if we can not get this overreaching security matter sorted out, I guess Ill have to move on. I also have {$3100.00} credits due that have not been issued in fraudulent bank card transactions. 

On XXXX XX/XX/2022, I waited on hold for 45 minutes, then spoke to a new Rep and then XXXX, a 4-year Wells Fargo security manager, and he insisted that the XXXX XXXX  manager had a bad security code. Well, that was not true as the Wells Fargo e-mail clearly shows a lock generated by the Wells Fargo security manager. and there was no reason to block that transaction. This is the third time Security blocked a lawful and client-initiated and approved transaction not using my current XXXX phone OR using E-mail XXXX not text for security check. When I ran an IT security desk all the verifications were in place. What is happening, I Wells Fargo security splash appears on these online transactions and requires a text to an old phone number ( XXXX XXXX XXXX XXXX Change to e-mail. Approved vendors : XXXX XXXX ferry line operating XXXX XXXX, XXXX, XXXX XXXX XXXX operating in XXXX. Im still frozen out XXXX XXXX. I hope we can get the credits and reasonable security set up in place because the WF savings account interest rate is woefully low ; I must consider better options of 3 % at other lending institutions. I have close to {$100000.00} in savings, {$6000.00} checking and {$2500.00} brokerage and Im tired of being treated like a quite unimportant client/potential employee. I wish to deal with a TRUE manager and have a phone number direct to his/her desk. I do not feel like an important client at all for over 6 months I have put up with these oversights. 

Your attention to this matter is appreciated Appreciatively yours, XXXX XXXX XXXX, XXXX. 
Wells Fargo management froze transfers to my brokerage accounts.
Consumer complaint received 2022-01-21
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. (RI)

My Chase XXXX XXXX XXXX credit card was carrying close to a XXXX balance in XXXX of XXXX. I then made 2 promotional debt transfers to the card ( XXXX in XXXX and XXXX in XXXX ) at 0 % interest for 12 months ( after paying a transfer fee ). 

I then made roughly {$1400.00} in purchases in XXXX of XXXX and made payments to the card in excess of {$1500.00} in that same month. They applied this {$1500.00} payment to the non-interest bearing transferred debt and not the purchases that bear interest. This has continued since XXXX. I keep making payments in excess of the minimum due and they continue to apply my payments to the non-interest bearing debt vs the interest bearing debt. 

For the past 2 months ( XXXX and XXXX ), my total purchases in the month have been {$24.00} ( a recurring XXXX charge ) yet the interest being charged is in excess of my purchases because of their practice of applying my payment to non-interest bearing debt. 

I spent 45 minutes on the phone with them today ( XX/XX/XXXX ) and I asked them to stop this practice and to apply all my payments to interest bearing debt before the noninterest bearing debt. They refused, and then hung up on me.
Consumer complaint received 2017-10-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed a dispute with XXXX in XXXX 0f 2017 on accounts that I had no contracts with, The original owners sold the account but I had no contract with the company who put this on my report.I filed with Transunion the same no contracts.The breach with XXXX has not helped with my reports ... when I filed my reports I had a score of XXXX with XXXX working my way up to a over XXXX score and all of a sudden my score has dropped 50 points because XXXX allows these company 's to make a jester to the account? This is totally wrong on both parties
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-01-21
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: CITIBANK, N.A. (NY)

Good Morning, today I am apllying for a mortgage loan for my new house and was informed of my XXXX XXXX. Shocked that they were so low I saw the statements that Sears had sent in late fee notifications in XXXX XXXX and XXXX of this past year. I paid off my Sears credit card in the amount of {$3500.00} back in XXXX of XXXX. I have not used the credit card since! I called the first time and got a nasty lady who told me there were purchases made to XXXX on XX/XX/XXXX and XX/XX/XXXX. I do not have an XXXX account it is under my wifes name and do not even have an updated credit card. The lady told me she cant do anything because my account is closed. I then called a second time and spoke to a gentleman who stated they cant help me unless I send a letter with all my personal information full social mailing address with why I am disputing these. I never received any letters from the company about charges or late fee letters. These reports are affecting my mortgage rate on my house over a purchase I was informed was under {$100.00}. If I knew about them I would have called immediately!!! I am very angry they offered me no help with my disputes over the charges of a credit card I have not used since XXXX!!!
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I was in a wreck which totaled my vehicle XXXX XXXX XXXX which was deemed a total loss by my insurance company XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX I provided all requested documentation to both XXXX and my GAP insurance provider XXXX XXXX. 
Since they were unable to obtain a police report, the claim was placed on hold. After acquiring the police report, they refused to pay the agreed balance until the case was resolved and deemed dismissed. This was communicated to the loan provider XXXX XXXX XXXX XXXX XXXX and they continued to demand payment in full of the remaining balance of {$18000.00} immediately which could not be done. 
I made regular payments up until XX/XX/XXXX and XXXX paid {$12000.00} on XX/XX/XXXX leaving a remaining balance of {$5200.00} which was the responsibility of XXXX XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX fees and interest were continually charged on the account and on XX/XX/XXXX a payment in the amount of {$3100.00} was made to the account by XXXX XXXX based on the original valuation provided directly by the lender XXXX XXXX XXXX XXXX XXXX. Through all of this XXXX XXXX XXXX XXXX XXXX assured me there was nothing I could do and to wait and never mentioned a balance after receiving their payments. When I realized there was still a remaining balance from INTEREST on the account in the amount of {$400.00} on XX/XX/XXXX I immediately organized a payment plan to pay the account and paid the amount of {$400.00} on XX/XX/XXXX. They now display this account negatively on my credit and have refused to remove such remarks though I held up all aspects of my agreement and made all payments as agreed.
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NC)

I disputed a XXXX XXXX late payment ' report to XXXX. Merchant ( Samtander ) replied to dispute by reporting an XXXX pmt previously shown as paid on time now reported as also late. XXXX DID NOT question Santander 's STUPID response. They imply passed to me the dispute as resolved in the merchant 's favor. ASININE! ( Got ta love Credit Bureaus who 'rubber stamp ' merchants ' replies! )
Consumer complaint received 2022-01-21
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

About XXXX years ago I tried to modify with the company Ocwen Loan Servicing. They put me in varies programs and asked me for more information it took about XXXX months to tell me that I do not qualify and the principal of the house when up.
Consumer complaint received 2016-10-04
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: Reverse Mortgage Solutions, Inc. (TX)

In or near XX/XX/XXXX, I applied for a reverse mortgage and was told that I was approved. I was to receive {$18000.00} cash back at closing. I received {$1800.00}. I was told on several different occasions from several different people from the XXXX XXXX XXXX and Reverse Mortgage Solutions that I would get my money but it 's not XX/XX/XXXX and I still have not gotten my money from the HECM loan.
Consumer complaint received 2022-11-16
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. 

This account needs to investigate and correct for erroneous reporting in the file listed on my credit report XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (GA)

Received offer from " So-Fi '' about Welcome Bonus opportunity in the amount of {$590.00} if I apply for personal loan and get approved. 
Deadline to apply for personal loan was XX/XX/2022. 
I applied for loan on XX/XX/2022. 
My loan was approved and I signed it on XX/XX/2022. 
So-fi claims that I can not receive my bonus because I was approved after XX/XX/2022 which they said it was a deadline to be approved and funded.It was holiday weekend. 
Terms and conditions by Sofi were misleading for customers. 
My credit score dropped about XXXX points doing a personal loan application. 
This is not fair business practice at all. 
I read comments from other So-Fi customers online who signed and funded their personal loan application on XX/XX/2022 and still received their Welcome Bonus.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MA)

Reported by XXXX, XXXX, and Equifax, I have numerous old student loans that should have been removed from account going back to XXXX. I still have an old student loan on my credit report even though all of my loans were forgiven through the XXXX discharge program which Biden approved. My loans are being turned over to other account holders, and credit bureaus continue to resubmit them as if they are still active, closed, transferred, and delinquent. This is harming my credit score and have been for years. These loans should have been removed, but because they sell off to another account holder, the credit bureau engages in unfair reporting by renewing the date, thus adding it back onto my report. I have already contacted the credit bureau, and they refuse to delete these items. I also checked and they are still reporting old information about the discharges, and have not removed all of my loans. I recently received a XXXX point reduction because the credit bureau reported an electric bill as owed. The credit bureau is engaging in unfair practices buy relisting old debts that are paid, and i request them to remove them, and still they do not. Debts that were resolved, are still appearing on my report. I would like to have this investigated, and if possible look into if I can sue the credit bureau.