davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXXXXXX XXXX  Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (VT)

On XX/XX/XXXX, I received a Chime transfer of {$600.00}, which I promptly opened a Chime account to store. I was informed I would receive {$15.00} to open this account. 

On XX/XX/XXXX, I initiated a transfer from my Chime account to my bank account. 

On XX/XX/XXXX, I was notified by email of the abrupt closure of my Chime account. 

On XX/XX/XXXX I was informed by Chime support on the phone that a check for the sum of {$600.00} would be mailed to my address within 30 days from the account closure date. 

On XX/XX/XXXX, not having received a check, I called Chime. I was informed that no check would be mailed because my account is not eligible for a refund. They also refused to escalate my call to a manager. 

They just ate my {$600.00}! How is this legal?
Consumer complaint received 2024-03-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo XXXX  {$900.00} unauthorized transactions Stolen bank information Closed account but still have unpaid authorization payments I am be held accountable for. Ive been trying to open a bank account and work on my credit can not proceed until my identity is safe because of the Wells Fargo in authorization payments are taken care of. Please help me handle the best solution to resolve my problem
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (MD)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX 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 2016-06-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: NAVY FEDERAL CREDIT UNION (NY)

I received XXXX cards in the mail today, unsolicited, from Navy Federal Credit Union. These included a Visa credit card under my name, a Visa debit card under my name, and a Visa credit card under the name of a total stranger. I did not request these cards. I called Navy Federal and canceled the cards, but they could not tell me how or why I was sent these cards. I believe that sending unsolicited cards is not legal and seek your advice.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TN)

In accordance with the Fair Credit Reporting Act, these creditors has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a XXXXXXXX  card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent a request to XXXX, XXXX, and I can not submit a dispute with Transunion ( due to always having error of submission for the past week ), a request under section 609 ( c ) of the fair credit reporting act to send me XXXX a copy of the original contract that I have signed from the creditors. I have not been able to complete any dispute with Transunion, they always seem to have problems with completing any type of dispute. XXXX is only doing what they like to do, which is submitting a request to verify if the account is accurate and coming back with the same message. I did not ask any of these credit agencies to verify with the so-called creditors, I AM ASKING THE CREDIT REPORTING AGENCIES XXXX TRANSUNION AND XXXX TO SEND ME THE ORIGINAL CONTRACT THAT I SIGNED WITH THE CREDITOR THAT YOU AS A COMPANY REQUIRED TO HAVE IN YOUR DATABASE ACCORDING TO FCRA SECTION 609 ( c ). IF YOU ARE CLAIMING THAT THESE ACCOUNTS ARE VERIFIED AND ACCURATE, BY LAW YOU ARE REQUIRED TO POSSES A COPY OF THAT CONTRACT. 
I AM REQUESTING FOR THE CREDIT REPORTING AGENCIES TO SEND ME THE ORINIGAL CONTRACT UNDER FCRA SECTION 609 ( c ) from your database system.

I am requesting for proof THAT YOU ACTUALLY VERIFEID EACH ACCOUNT according to FCRA SECTION 609 ( A ) ( 1 ) ( A )
Consumer complaint received 2016-09-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

Hello, I 've owned a home with a friend for the past 15 years. Same lender, Wells Fargo. We went to sell the property and changed how we pay the mortgage bill. Our property manager paid the mortgage in the past. I took over payments and tried to set up auto pay on their website with my bank. The auto pay is difficult to use and did not allow me to set it up right away, it took a few days for my bank to supposedly approve the transaction. I thought it was setup but the mortgage was not paid. 
Wells Fargo called my co-owner asking for my first name. They did n't identify who they were, he said he was not XXXX and they hung up. That is the only correspondence we had from Wells Fargo. They did not send an email to either of our emails on file. They did not attempt to contact my co-owner ( they had all his information ). They reported both of us late on payment and both of our credit scores dropped XXXX points even though I paid as soon as possible. Even on their website I was unable to pay the late fee because their system wo n't allow me. I tried tonight to pay and the service is unavailable.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

So this is now my second time filing complaint regarding the situation of unauthorized transactions that keeps occurring with my checking account starting XX/XX/XXXX till the XXXXXXXX XXXX XXXX, and so how does Wells Fargo want to proceed to addressing this they proceeded to closing my check and saving account. I was contacted by the agent who was working on this case. He supposedly talked to the merchant, which is XXXX  and that apparently it was deposited the funds into my account or by someone authorize to which is false Ive submitted a screenshot of when I spoke to XXXX, and they said that none of this was deposited to an account of mines. It was deposited into some other account and they the merchant XXXX  even said for me to reach out to my bank XXXX, if you have transactions from your account, you should contact your bank entity. I do not see any transaction since XXXX XXXX and I did so this is the route that the bank is going instead of addressing this properly. Agent proceeded to say that I have filed one too many disputes, which quite frankly did not sit right with me where if there is a transaction that is not authorized by me, nor something that I did, why would one not dispute it it was quite frustrating when he did say that, and then proceeded to inform me that XXXX be closing the accounts. They went ahead and closed my account! Wells Fargo does not have the best reputation. I still did give them a chance however, this just does not seem correct on how they want to proceed. And since now that they are going to proceed to close my account, they put restrictions preventing my direct deposit from work to get here as of today Im back up on my bills because of the unauthorized transactions and now my check that was supposed to come in for this week is being blocked and I might now have to wait another week or so to get a paper check And the penalties on late rent, phone bill, electric bill theres just so much thats piling up because of Wells Fargo pretty much putting me in a deeper hole than one can imagine.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

I refinanced mortgage loan from LoanCare to XXXX. LoanCare paid taxes ( escrow account ) as did XXXX. LoanCare paid taxes knowingly paid taxes even though they were informed on XX/XX/2016 that refinance was happening and they had given documents to XXXX ( new lender ). I have been trying to work with Loancare since XX/XX/2016 to get my money back as Tax collector only received tax money from XXXX. LoanCare has consistently misrepresented where my money is. I have documentation $ returned to them on XX/XX/XXXX. LoanCare 's representatives have been either ill trained as their information does not match the facts.
Consumer complaint received 2020-06-23
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX {$2200.00} XXXX {$1200.00} XXXX {$2400.00}
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (MI)

XXXX charged me for services that they said were free if I cancelled within 30 days. I cancelled inside the allotted time and now they are still trying to charge me.
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXXXXXX  I became XXXX percent XXXX through the VA and became exempt from property taxes starting in XXXX. I have notified my mortgage company multiple times but they continue to collect money for escrow payments and pay XXXX XXXX Tax collector even though I don't owe property tax. They just sent out a payment for {$2900.00} in XX/XX/XXXXXXXX  despite my property tax bill obligation being {$0.00}. I personally believe that they are intentionally doing this so that they can keep the money after XXXX XXXX doesn't accept the payment. My loan number is XXXX with Mr. Cooper Nationstar Mortgage LLC. I provided a copy of my VA benefits letter and my property tax statements of {$0.00} for XXXX  and XXXX. Please help me with this situation as I am not sure of how to protect myself from this company at this point.
Consumer complaint received 2024-01-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I bought XXXX separate gift cards for {$100.00} dollars each. When I tried to use the cards they did not work. I called the company. They requested that i sent a a fax with my ID and a copy of the cards. I sent the fax on XX/XX/2024 I sent everything they needed. I called the company later then they said my case XXXX did not exist. I have tried numerous times calling but they are not fixing my problem i have not been able to access my balance and the company is not working to fix the error. The card numbers are XXXX and XXXX. With {$100.00} dollars each.
Consumer complaint received 2022-08-05
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}.
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MO)

I have a XXXX Rewards Card that was initially issued by XXXX Bank. I think that in the middle of last month, XXXX 2015, the card was taken over by Synchrony Bank. XXXX Bank sent me a statement at the beginning of XXXX telling me to send payment of at least {$25.00} to XXXX by XXXX XXXX. On XXXX XXXX, my bank sent XXXX an online payment of {$700.00} which is how I 've paid that bill for years. I went to XXXX 's website the next week to see if the payment had been made, but the XXXX Card had been removed. On XXXX XXXX, I received an email from Synchrony Bank telling me that I could access my account on their website. I did and found that the {$700.00} payment had not been credited. I called Synchrony the next day, XXXX XXXX, and they said they had no record of the {$700.00} payment. They also said I had to make a payment by XXXX XXXX or I 'd be charged a late fee. I called XXXX, which recieved the payment from my bank and they said they had no record of it. I also called my bank, XXXX XXXX XXXX XXXX, which sent me the wire receipts showing the funds being wired to XXXX. 
Yesterday, XXXX XXXX, Synchrony Bank charged me a late fee. My credit union is investigating what happened to the payment and calling me with updates, but neither it, XXXX, or Synchrony know where my {$700.00} went.
Consumer complaint received 2022-08-05
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. (IL)

I sent a letter on XX/XX/XXXX to TransUnion to remove erroneous 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 ) TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX Balance : {$1400.00} ; XXXX, IL XX/XX/XXXX
Consumer complaint received 2020-06-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

Rushmore loan management services my fha home loan number XXXX for XXXX XXXX XXXX XXXX XXXX pa XXXX. In XXXX i requested help due to reduction of income as a result of covid19. They sent me a letter of approval for three month for XXXX XXXX and XX/XX/XXXX. I sent the request back signed the end of XXXX and emailed a copy XX/XX/XXXX. Since that time I have gotten threatening ltrs that say im delinquent and i have called them and they will not stop these threats. I cant loose my house. Why are they not honoring the forbearance? This is harassment!
Consumer complaint received 2024-01-06
Product: Credit 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. (TX)

Dispute of {$100.00} and {$460.00} " cash advance fees '' made to unknown merchant XXXX on XX/XX/XXXX I disputed any charges made on XX/XX/XXXX immediately after I got a fraudulent alert message from Citi and they said they'd check into it and reversed XXXX charges on following day ( which I had not see the prior day ). They sent me a new Citi XXXX XXXX On XX/XX/XXXX I received letter from Citi that stated these charges were not fraudulent. They failed to provide any information on tracking this merchant XXXX XXXX XX/XX/XXXX I sent a detailed letter to Citi explaining all that had happened and why I disagreed with their decision. 

On XX/XX/XXXX I saw an unexpected charge on my XXXX Citi XXXX and Called XXXX at XXXX Am XXXX on sudden charge of {$33.00} I saw on my Card. She said this was a cash advance fee related to the apparent cash advance payments of {$100.00} and {$460.00} made to XXXX that I had disputed. She said she would reverse the charge and that I should talk with the fraud department on the status of receipt and action on my XX/XX/XXXX letter. 

On XX/XX/XXXX at XXXX PM I got connected to the XXXX Department. They said they would re-open my case. 

On XX/XX/XXXX I received an email from Citi that stated they would re-open my case ( see attached ). 

On XX/XX/XXXX I checked my Citi card balance and they had not revered the {$33.00} charge and had added a {$13.00} interest charge related to the XX/XX/XXXX charges. 

ON XX/XX/XXXX I called Citi spoke with XXXX and he said yes they had re-opened the dispute but had decided the dispute was invalid so they had closed the case once again. I asked to talk to supervisor and talked with XXXX. XXXX they would further investigate but that actually originally I should have disputed the charge with the dispute department rather than fraud department. But he reopened the case with case numbers XXXX for the {$100.00} and XXXX for XXXX {$460.00} charge and offered {$100.00} valuable customer credit for my trouble. 

On XX/XX/XXXX I went to my Citicard account to see if I could actually dispute the charge like I was told to do, and saw I could not dispute the charge because it was already closed out. 

I have no confidence that Citicard will reverse the XXXX charges so I need help resolving because I am just getting the run around.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IL)

In pursuant to 15 U.S.C. 1602 ( l ) the term " credit card '' was used to initiate a consumer transaction. The term credit card or other credit devices existing for the purposes to obtaining money, property, labor, or services on credit. The term adverse '' action never mentioned anything to do with the consumer getting denied credit. In pursuant to 15 U.S.C. 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and I am the one who regularly extends credit in the connection with loans. Banks are the borrowers as described in 12 USC 1431. In pursuant to 15 U.S.C. 1602 ( g ) I am the original creditor and I am well aware of my rights, I know that reporting to the consumer agencies is voluntary. This is a private transaction and this an unfavorable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. Also per FCRA 604 ( 2 ) there never was a clear written disclosure nor authorization from me as the consumer and also as the natural person. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. A inquiry popped up on my consumer report which is a receipt of transaction as proof of reporting my federally protected information. As the original creditor, it is not lawful to be denied my right to grant credit. Furthermore, my credit was used and I received no benefit for the use of my credit. In fact, damages were done from the denial of my rights mentally and financially. Ive been discriminated against as there are no federal laws that state a credit score can deny me a right to extend credit. In fact 15 USC 1681a ( 2 ) never mentions a credit score in the description of a consumer report and by federal law should not be included in a consumer report.