davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
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. (OH)

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX ; XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts.
Consumer complaint received 2020-10-09
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. (OH)

This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX  XXXX # XXXX
Consumer complaint received 2021-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion score fluctuates XXXX points every few weeks. I called and discussed the issue in which I relayed that paying off my credit card drops my score while charging {$20.00} increases it. I offered screen shots of my payment dates that coincide with Transunion tanking my score. They said it's not and it's the bankruptcy HOWEVER if that were true and all credit bureaus have similar scoring models 1 ) why would it suddenly increase then decrease XXXX points every few weeks and 2 ) why is my score stable with XXXX and XXXX which is XXXX points higher at the moment. 

I have screen shots from XXXX XXXX and my credit card proving that Transunion is trying to keep people in debt by forcing them to keep a balance on credit cards in order to avoid dropping their credit scores which had in fact cost me 2 rental properties and is forcing me to look at becoming homeless due to increasing rental costs and the fact that the homes I can afford I can't get because of the TU scoring. 

I'm over credit bureaus and at this rate, it's this company is allowed to get away with this XXXX what's the point of having credit or even trying to buy a home when they're dictating who's worthy or not.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ). Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at Capital One on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal loan account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an apartment was leased at XXXX XXXX XXXX XXXX XXXX ) I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Cringnal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all '' of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

This is my 2nd request filing a complaint with you about this company. This information they they are allegedly stating is over 11 years old. The only answer I am getting is that the the company has verified this is not acceptable! They are also reporting that I made a payment and I have not! Experian has not done their due diligence regarding this matter!
Consumer complaint received 2024-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (FL)

I was part of a hiring scam with a company called XXXX XXXX in XX/XX/year>. A wire was made from my account in two payments totaling {$5800.00}. This {$5800.00} was moved from Wells Fargo to XXXX  XXXX XXXX XXXX which I was told that it was a sub account of XXXX XXXX whom I was supposed to be hired by. The fraud immediately was detected after the first weekend following the wire transfers. That Monday following the incident, an account notice was placed by Wells Fargo as I notified them on the fraudulent activity and a new checking account was opened. Wells Fargo has been notified of fraud by phone. A month later in XX/XX/year>, XXXX XXXX XXXX XXXX showed a payment processing from the newly made checking account. Wells Fargo was notified to not accept the charge from XXXX  XXXX XXXX XXXX. Wells Fargo said they placed a note that the chargeback from XXXX  XXXX XXXX XXXX was unauthorized. The unauthorized chargeback from XXXX XXXX XXXX XXXX went through and depleted my account into the negatives.I have been trying to refund my initial checking balance of {$1300.00} from the {$5800.00} that the scammers defrauded Wells Fargo through my account. My account has since been closed by Wells Fargo and my credit card of over 10years with over XXXX credit limit closed as well due to this mess. Since then, I placed a police report and formal complaints with Wells Fargo and through CFPB to gain resolution to this problem. It was been over a year since my initial dispute. Wells Fargo contacted me yesterday about the negative balance they want me to pay back. As far as I am concerned, Wells Fargo actually owes me the {$1300.00} that they took back in XX/XX/year> when they allowed XXXX  XXXX XXXX XXXX to pull {$5800.00} that was labeled and noted as an unauthorized charge. I strictly told them to put a stop to the charge and what would happen If Wells Fargo allowed the charge to go through from them. Had Wells Fargo listened, then I would have had to deal directly with the neighboring Credit Union relinquishing any liability from Wells Fargo and initially myself. Since they allowed the unauthorized charges to go through to the new checking account I created, we all now have to solve this overly complicated Fraud case. I can not be liable for the full amount as I am covered, as a consumer, by federal law given that i reported the Fraud and took all the necessary steps within 3 days. I called Wells Fargo Fraud Department to file a new claim and no one was available when they transferred my call. The initial agent who was asking for the remaining {$4000.00} said that I needed to place a police report on the Fraud which i have done 2 years prior to now. This situation needs to be resolved asap.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit report and seen that there were discrepancies, and the incorrect address is XXXX XXXX XXXX XXXX XXXX XXXX, GA. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (IN)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/year> I filed a claim again Wells Fargo telling then my card was stolen and used under fraud. I totally forgot my pin was on the back of my card. They issued a new card but on today XX/XX/year>, they closed my claim when over the phone I was told fraud was suspected but now they say it isnt. I almost received text messages saying fraud was detected! I also was sending emails to get help due to the fraud problem which I have proof about. I called the claims office also on different phones & got different answers! Which is very frustrating!! I definitely do not recommend this bank to anyone. This is my second time reporting this bank to CFPB! I would like to speak to a supervisor someone over the lady I had. I will be seeking legal advice after this. They have also put the account in negatives which is very sad and unprofessional of this company. A total of XXXX was took out of my account. I tried disputing this claim again & I was told I am ineligible too!
Consumer complaint received 2022-07-28
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. (GA)

In accordance with fair credit reporting act XXXX Account # : XXXX, Account name : XXXX XXXX SV has violated my rights.

15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2022-09-14
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items 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. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2021-01-21
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. (SC)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My husband and I have had a joint account at Bank of America for several years. He died on XX/XX/2023. According to my attorney, I was told not to touch our accounts until 2 months after his death. On XX/XX/2023 Bank of America removed my husband 's name from our account and cancelled my access to any online banking. That meant that the bank removed all accounts from bill pay and canceled any payments I had scheduled. I have had to pay a late fee on one of these accounts. They also closed my XXXX account. This was done without any communication sent except an email on XX/XX/2023. I immediately called them and set up an online account. It was when I went to pay a pay that I discovered all my bill pay, auto pay and XXXX acounts were removed. I called BOA again to complain. I was told that as my husband had set up the accounts and even though it is a joint account, they had every right to close them. 
I asked exactly how I was to set up these accounts when I had absolutely no record of them and was told that I had a case estate case manager, XXXX XXXX. Why XXXX XXXX who was my case manger never contacted me, I will never know. After speaking with a representative, I was told that BOA did have those accounts, but that I would have to wait 48 hours before they would be restored. 
They were eventually restored, but I have no record of any last payments on these accounts and have had to search through bank statements to make sure bills were paid. I also had to set up a new XXXX account even though I already had one. Today, XX/XX/2023 I discovered that my bills are being paid through my savings account rather than my checking account. When I tried to change this, I was not able to. So once again I am going to have to call Bank of America. 
I will close my accounts with Bank of America as soon as possible. This was an absolutely unnecessary fiasco that could have easily been handled by a call from my supposed estate manager.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

On XX/XX/XXXX I was sent a letter from United Wholesale Mortgage ( mortgage servicer ) stating that after 1 year of servicing my mortgage, they didn't have enough funds in my escrow/impound account and I had to pay an extra {$6100.00} to bring the escrow account up an acceptable " cushion '' level. When my loan was funded in XX/XX/XXXX there was not sufficient funds held for taxes and insurance and a full year later they realized the mistake and asked for {$6100.00} or an extra $ XXXX. When requesting to eliminate the escrow account on XXXX via faxed letter, and handle taxes/insurance on my own, they sent me a denial letter on XX/XX/XXXX. Having to pay an extra {$6100.00} a year after this load funded to cover an escrow cushion has created a financial hardship and they do not care. Shame on United Wholesale Mortgage
Consumer complaint received 2022-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (FL)

Account Name : VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent I have contacted this company because they are listing a collection account on my credit file and this account does not belong to me. I have demanded a validation letter from this company and thE contract they sent over does not have my address or signature on file. The contract also shows 1 payment was made on XX/XX/XXXX and all payments after that failed. so with that also being said the last payment made was on XX/XX/XXXX, the next payment shows it was due on XX/XX/XXXX and on my credit report that are showing last activity date XX/XX/XXXX under the protection of the law " The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. '' they are trying to extend the last date of activity into XXXX, so this account can stay on credit report. there validation letter they sent me clearly shows the last payment on this account was back in XXXX and not in XXXX, under that part alone, I am demanding the credit agencies protect my rights under The Fair Debt Collection Practices Act ( FDCPA ) and have this account removed from my credit file and all credit reporting agencies immediately for falsely reporting an account, especially one that does not belong to me.
Consumer complaint received 2023-01-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/22 my one year CD matured. I called Ally and spoke with XXXX. I told XXXX that I wanted to close my CD and have the money transferred to my external XXXX XXXX savings account. XXXX said the transfer would take 1-3 days. 
On XX/XX/22 I again called Ally because the money had not been transferred into my XXXXXXXX XXXX  account. This time I spoke with XXXX. XXXX told me my CD account was still open and no money had been transferred. XXXX told me he would close out my CD and assured me the money would be transferred to my external XXXXXXXX XXXX account within 1-3 days. 
On XX/XX/22 I again called Ally as no money had been transferring to my XXXXXXXX XXXX account. I requested to speak with a supervisor and XXXX came on the phone. XXXX checked my account and said my CD had not been closed within the allotted 10 days, it was placed in another 1 year CD. In order for me to close out this new CD, I would have to pay a penalty fee. Due to their incompetence I demanded my money. After much discussion, XXXX agreed to close out the new CD without penalties. It would now take an additional 3-5 days for the transfer to be complete. 
The money was eventually transferred to my XXXXXXXX XXXX  account. My frustration is : XXXX. Is this a fraud by keeping customers funds and instead of returning their money, Ally keeps it within their banking company? 
XXXX. Ally kept saying I would have to pay all the additional fees. Fees for sending my money in a more expedient way and paying a penalty for closing a CD that I never opened. 
XXXX. Hard to believe the people who assist in opening and closing accounts dont know what to do
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (ID)

Yes, we have contacted the company, XXXX XXXX XXXX many times in the nearly 6 months since we began this arduous refinance with them. 
It began with our loan application completed along with all requested documentation in mid XX/XX/2020. Now, we understand with the interest rates at historically low rates the mortgage companies are bogged down and likely to take longer than usual. With that said, we are coming now on six months and no contact from the loan processor, customer service or anyone else from the company. I've left 7 emails in the past two weeks alone plus I've tried to call their corporate office to get through to customer service, first the voice mail was full, next three times, the phone just rang and rang and rang. 
We've paid already for an appraisal, it came back at a favorable amount seven weeks ago and still no closing date or promise of a closing date.

We have superb credit, fabulous equity position and verified income. This is not because we're remotely uncreditworthy. I'm not sure what this is ... desperately poor expectation management and communications, I'd guess.

Simply put, this company may be a scam and we've wasted 6 months. Can you please check into our case and let us know if this company is even real? 
Thank you for your time and efforts ; you are appreciated. 
XXXX XXXX
Consumer complaint received 2022-07-30
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. (MN)

I have been submitting letter with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureausend. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXInquiry Date XX/XX/XXXX US SM BUS ADMIN DA Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2021-08-12
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: CAINE & WEINER COMPANY, INC. (CA)

CAINE & WEINER Collection Agency is deceptively and fraudulently using abusive reporting practices by reporting an already disputed AND deleted/removed account to my credit bureau again. Account # XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX This collection agency is using intimidation, fraud, abusive tactics, and harassment by repeatedly reporting an account that is false and has already been disputed and removed from XXXX. They have now reported to XXXX  to intimidate me and cause harm to my credit rating.