davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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: LCS FINANCIAL SERVICES CORPORATION (CA)

XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau. 

Upon contacting the three major credit reporting agencies, I discovered that XXXX of the XXXX credit XXXX agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so. 
By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially. 

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.
Consumer complaint received 2021-09-13
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: OneMain Finance Corporation (NC)

ONEMAIN was on my consumer report as an inquiry so I disputed it. I did not give my consent for this and it injured my consumer report severely. On XX/XX/2021 XXXX removed ONEMAIN from my report but on XX/XX/2021 ONEMAIN was back on my report. Once again, without my consent. Today, XX/XX/2021, ONEMAIN is finally off my consumer report but the damages are already done. Not to mention, I had to contact fraud department for XXXX and send in dispute letters, more than once, for XXXX. ONEMAIN violated 15 USC 1681n ( a ) ( 1 ) ( B ) and I am seeking relief for the damages.
Consumer complaint received 2022-12-06
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: JPMORGAN CHASE & CO. (MD)

In accordance with the Fair Credit Reporting Act, [ JPMCB CARD XXXX ] has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Borrower was approved for a trial modification. Although they made the payments they did not return their documents in time and the offer was canceled and the loan was removed from home preservation. When the borrower attempted to go back through re-entry the dept said they couldn't allow it because it was within XXXX XXXX  of the sale. However when the borrower was approved for the first trial modification Wells Fargo said as long as the borrower submitted a complete application XXXX business days prior to the foreclosure they could postpone the sale which they did.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it XXXX concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1994 My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2024-12-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NE)

I received a phone call from someone claiming to be a wells fargo representative, there phone number was masked and it said Wells Fargo XXXX. They proceeded to inform me that there had been activity that had been flagged as fraud on my account. They then asked me to reversed the wire fraud with them by sharing my screen, I proceeded to do so, they then said they verified my identify and moved forward with reverting the fraud. Later I learned that they were actually completing the wire transfers and were fraud. The amounts were {$8400.00} and {$8600.00}. This happened on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX. 

I called Wells Fargo at XXXX XXXX  on XX/XX/XXXX, they were able to reverse the wire for XXXX but not for {$8600.00}, they said this one could not be reversed.
Consumer complaint received 2023-04-05
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-12-07
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 (RI)

Claim # XXXX was submitted on XX/XX/XXXX. I was told by a multitude of customer service reps that my dispute was solid and Id have my money back by Friday XXXX. Initially was told my account would be credited XXXX, then XXXX, and ultimately XXXX. On XXXX the claim was denied and I spoke to resolutions who told me I could submit my documentation regarding the merchants terms and conditions and their failure to abide by these, along with my extensive attempts to get a resolution directly from the merchant. I was told the claim may be reopened but I also expressed that Id had these documents all along - Id explained from the beginning the merchants violations and not once was I asked for documentation until after the claim was denied. 

Additionally, claim # XXXX submitted on XX/XX/XXXX had provisional credit revoked on XXXX because according to customer service I had not provided documentation. I had sent the documentation on XX/XX/XXXX and the rep was able to see that it had in fact been received and that there was an error on their part in reversing the provisional credit.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MN)

I went into the XXXX, Minnesota branch of Wells Fargo Bank to close my business checking account. I had funds in the amount of XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents in the account. The teller counted out an amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and gave that to me. The withdrawal slip correctly stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the end of the transaction, the teller printed out a receipt that I did not request, and therefore did not look at, but typed in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  instead of the correct XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXs. This reciept is in error. 

Upon arriving home when I called the phone number the teller gave me to formally close the account, and I was told it could not close it because the account was overdrawn by XXXX XXXX dollars. Upon further investigation, I found that after I had left the bank, the teller, on her own, put in a Teller 's Check of XXXX XXXX dollars on the account to make it XXXX XXXX dollars overdraw. I did not at any time ever receive this extra XXXX XXXX dollars. I immediately contacted Wells Fargo, Corporate to open up an investigation and escalation. An escalation number was orovided but no further action has taken place. It has been over two weeks and I have subsequently gone back to the branch, who admitted their mistake, but has yet done nothing to correct it. Today, I contacted the branch manager of the bank who refuses to do anything about it and is leaving my account XXXX XXXX dollars overdrawn, even though I never received the XXXX XXXX dollars. I requested an audit, and nothing was done. I also asked, why the cash box that the teller used, the videotape of the transact, and the records of the machine that counted the money were never looked at. The manager stated that he hadn't got around to it yet. It has now been over two weeks, and the bank is not doing anything about this. It is my contention that XXXX XXXX dollars was embezzed, and the blame is being attempted to be put on me. I want this account XXXX  out and the account closed.
Consumer complaint received 2022-12-06
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: Designed Receivable Solutions, Inc. (FL)

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-04-05
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. (SC)

This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$460.00} XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$540.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-11-04
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: TRUIST FINANCIAL CORPORATION (WI)

XXXX unauthorized hard inquiry showed on my XXXX credit report, plus an employer and a phone number I dont recognize. After contacting all three companies showing on my report, we concluded that XXXX XXXX had submitted the hard inquiry with other XXXX lenders. I contacted XXXX XXXX and they did not find an application under my name. After looking into it they realized that they had miss used my social security for another person who supposed name is XXXX XXXX. They answer was it was a system error on our side ''. 
I provided copy of my report with the wrong information and unauthorized inquiries and they said they would work on investigating and removing but that it might take up to 6 months. 
The other XXXX unauthorized inquiries are for lenders : Regional Acceptance and XXXX XXXX XXXX. The employer added is called : XXXX XXXX and the phone number XXXX. Non of this information belongs to me.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reported a suspicious account opening involving my personal information to the appropriate XXXX, XXXX, and Transunion personnel on XX/XX/XXXX I begged everyone to delete these accounts since I had no idea how they got there. All three companies gave me advice on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still mentioned in my paperwork since they had been " verified. '' This is a problem that terrifies and bothers me since it hinders my family and I from purchasing a home. I contacted the three companies again on XX/XX/XXXX to ask how they could confirm that these accounts belong to me. They said there was nothing they could do to help me and that I had to speak directly to the debt collectors. The customer called the wrong bank and left a message ; they don't know who I am or what kind of account they are talking about. Just to be sure not to be mistaken, I searched the internet. My friends recommended me to visit the CFPB website. Me and my family can't wait to find the home we're looking for, so I thought it would work.
Consumer complaint received 2022-09-23
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I'm requesting a Reinvestigation line by line of the following accounts because they were not corrected, or In Accordance With the Fair Credit Reporting Act. I am requesting a Reinvestigation of the following accounts because these accounts can not be opened and closed at the same time, and this is inaccurate reporting. My federally protected consumer rights have been violated and I expect the credit bureaus to ensure that companies follow the law. I'm requesting a Reinvestigation line by line of the following accounts they were not corrected In Accordance With the Fair Credit Reporting Act. My federally protected consumer rights have been violated : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX In 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( a ) Reinvestigations of Disputed Information, ( 5 ) Treatment of Inaccurate or Unverifiable Information, and ( D ) the Automated reinvestigation system states that Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. This was not done with any of my accounts. These accounts do not show that a proper investigation was completed, nor are the results accurate and fair credit reporting. My federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

Our mortgage was sold to Rushmore by XXXX in XXXX, XXXX. We are victims of Hurricane Laura and suffered extensive damage to our home. We are making timely mortgage payments as we always have and we have never missed a payment nor have we ever been late making a payment. Rushmore Mortgage is refusing to release any funds from the insurance proceeds so that we can get our house repaired. We have submitted every document theyve asked for and to date, we still havent received anything from them. I called on Friday and was told that theyve decided to hold on to the funds until the home is 100 % complete. How is this possible? How is this fair? How is this even legal? They are holding almost {$60000.00} and refuse to send us any funds in an effort to get our home repaired. We are making mortgage payments, and having to pay over {$2000.00} a month for a one bedroom apartment because the house is still not repaired. We have had to get personal loans to get the home in a livable condition in an effort to move out of this expensive cramped apartment! Who regulates these mortgage companies? This is insanity at its best! This situation is like a nightmare that you cant wake up from! Please help us!!