davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On the evening of XX/XX/XXXX I went to my local Wells Fargo Bank, in XXXXXXXX XXXX to make a deposit at the ATM. I was depositing {$4900.00} cash into my everyday checking account. I inserted my ATM card and placed the cash into the ATM. The ATM began to count the money, during the count the ATM had a issue with one of the bills stopped counting and asked to return my card. The ATM kept {$2400.00}, returned {$2500.00} and returned my card back to me. I then reinserted the card and placed the {$2500.00} which had been returned back to me into the ATM for deposit. At the end of the transaction, I return to my car and checked the Wells Fargo App on my phone to see the deposit. The App showed that {$2500.00} had been deposited but did not show the first transaction or any deposit of the {$2400.00} that it kept. I called Wells Fargo the following morning XX/XX/XXXX to tell them what had happened. The Wells Fargo representative that I spoke with stated that she would open a claim to resolve the issue and that it would take up to 10 business days to resolve the issue. 
On the XXXX of XXXX I called Wells Fargo to find the status of the Claim and get some update on the situation. It had been 17 business days and I had not received any calls or SMS messages or email from them about the issue. The representative told me that my claim had not been processed and that the was pending verification. He stated that {$2500.00} had been deposited to the account but that {$2400.00} dollars was pending verification and he stated that he could see that 2 transactions had taken place that evening. He said that a letter had been mail to me about the claim, I had not seen this letter, as I have placed email, SMS or thru the app as my primary types of communication with Wells Fargo. The representative stated that he would make note on the claim that I had called to get an update and that it was still being processed/investigated and to call back on XXXX to get another update due to the XXXX being a holiday. 
After speaking with the representative I did find the letter it was dated XX/XX/XXXX that stated " Well Fargo had completed their research and that the account had been credited for {$2500.00} based on the items included in the deposit ''. The letter stated that the claim had been resolved. The information in the letter dated XX/XX/XXXX contradicts the recorded phone conversation with the representative on XX/XX/XXXX who clearly states, " Yes, I can see that there two transaction, and that {$2400.00} is pending continuing investigation and verification that the claim was still being processed ''. 
On the XXXX I called Wells Fargo again to get another update. I spoke with a representative who stated the claim has been denied that the ATM had been looked at and that no extra money was found he stated that there is nothing further that he could do and that this claim was closed.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

They gave me everything and there no error. They send me the same information and cant disclosure the informations Im requesting. I send many request. XXXX XXXX the servicing company. Sent a letter that disclosure extra XXXX in escrow. Ive requested additional amounts to be explained and added to my account and the interest to be removed. Ive asked why My insurance was not paid in XXXX. I was paying extra a month. I filed a insurance claim that year. I cant get answer on why insurance was not paid and my loan was transferred and that year XX/XX/XXXX I was in default. Chase bank did not apply my payment correctly. They also did not pay the insurance that year. Chase bank cause me to be put in foclosure and that year my insurance lapse. Ive tried to get this information disclose. The insurance company blames chase bank. I contacted XXXX and the state that I have complain with XXXX  or another Agency. New lender can not answer why so much money in a suspends account. XXXX one year and XXXX in XXXX twice. I was paying double that year. Ive requested answered and things or informations to be disclosure and my requests and been ignored by both lender and servincing company and the insurance company. Chase. Ive asked who choose the insurance coverage and why the riders and additional endorsement were removed were I filed a claim in XXXX ive complained on the insurance company they blame chase bank. I paid additional forclusure fees because this. This caused me a lot of stress and became even more ill.
Consumer complaint received 2020-05-27
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: EQUIFAX, INC. (OH)

Hi, I do not recall these inquiries and request removal or supply supporting document as required by Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. 

I have reached out to all of the companies within this list via certified mail and received no response : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please provide any application supporting this inquires.
Consumer complaint received 2020-05-20
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: Mr. Cooper Group Inc. (TX)

Mr. Cooper has been going back and forth with me for some time as they were trying to charge forced placed insurance claiming that I did not have it. I provided proof that I did have insurance. It has been several years or going back and forth with them and now they have placed me in collections as a result. This is affecting my ability to refinance or to get a reverse mortgage.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XX/XX/2018 I closed my account with XXXX XXXX, the continued to bill my credit card for them regardless of the closed account. 
Received a bill on XX/XX/18 to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX showing amount due of {$170.00} ( who is XXXX XXXX XXXX. 
XX/XX/2018 they turned me into a collection agency for XXXX XXXX for {$170.00} would not give any statements unless I paid {$5.00} each. 
On XX/XX/2018 received an email bill from XXXX XXXX showing a credit on my account on $ XXXX no credit issued. 
XX/XX/2018 received from USPS an actual bill showing a credit amount of XXXX. 
XX/XX/2018 I received an email from XXXX showing my balance as -XXXX-
Consumer complaint received 2020-05-20
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 mailed a Dispute to Equifax on Monday XX/XX/2020. Because I had found a lot of fraudulent information on my Equifax credit report ; mainly 11 fraudulent XXXX  XXXX XXXX XXXX student loans same account number. I mailed the dispute and included the documentation Equifax requested be included with the Dispute. 

XX/XX/2020 I received the Investigation Dispute Results. The 11 fraudulent XXXX  XXXX XXXX XXXX student loans same account number were Deleted ; plus some other fraudulent information was Deleted. I have the Investigation Dispute Results Equifax sent me. I will upload as Proof. 

Equifax even added an Extended Fraud Alert to my Equifax credit report. I was very happy Equifax Deleted the 11 fraudulent XXXX   XXXX XXXX XXXX student loans same account number and other fraudulent information. 

XX/XX/2020 I check my Equifax credit report and Equifax credit score. I am totally shocked and upset because all 11 fraudulent XXXX   XXXX XXXX XXXX student loans same account number and the other fraudulent information Equifax Deleted on XX/XX/2020 is back on my Equifax credit report. This is a huge violation of the Fair Credit Reporting Act. Equifax must be held accountable and be made to Delete the 11 fraudulent XXXX  XXXX XXXX XXXX student loans same account number ; and the other fraudulent information that was Deleted XX/XX/2020. I have the Investigation Dispute Results Equifax sent me. Pages 4-7 of the Equifax Investigation Dispute Results, show all 11 fraudulent XXXX  XXXX XXXX XXXX student loans loans Delete
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (MN)

My credit score decreased 14 points for no apparent reason. There has been no missed payments and credit cards were paid off last months, so there sound be an increase, not a substantial decrease.
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld Systems continues to report to the credit bureaus debts allegedly from me that I am unable to validate. They have given no proof of validation and I have complained about them before. Due to HIPPA laws, they can not validate what the debt is for and I have no knowledge of entering in contract with Transworld or Maryland XXXX XXXX for services. They have previously been unable to validate debts. 

I am asking that they send me the contract I signed for service with Transworld and Maryland XXXX XXXX ( they claim is the original creditor ) as well as an itemized bill for debt owed or remove these collection activities from my credit report. 

I am asking that these debts be removed immediately as it has severely impacted my credit report. 

Please see company 's response to previous complaint.
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (IL)

I have been a victim of fraud I have had alert on all three Credit bureaus Experian, XXXX, and XXXX. Neither company have removed the inquiries. I am very angry and on top of being a middle class XXXX  XXXX. Can you please help and assist me with this I have sent in letters to the credit bureaus still nothing. What can I do to help myself or what can you do to help me.
Consumer complaint received 2020-05-20
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: EOS Holdings, Inc. (GA)

XX/XX/XXXX I received a notice from my mortgage broker that there was collection on my credit report from EOS CCA. They allege that I owe XXXX {$220.00} for an outstanding balance that I owed when I resided in XXXX in XXXX. I contacted the collection agency several times to resolve this matter. After never receiving any validation of this debt, I paid the alleged balance owed in order to resolve this matter. I was advised that this item would be removed from credit report after receiving payment from me. As of today, the item is still showing as a collection item on my report. I called several times and left messages to XXXX XXXX, the manager on this account. He has not returned my calls to resolve this matter. Also, I contacted XXXX at XXXX XXXX relations ( XXXX ) XXXX, who wanted to speak to him to have this account removed from my credit report. They have not spoken to him or returned his calls to correct this matter. I have been a long time loyal customer to XXXX for over 12 years. I pay over {$5000.00} a year for cell phone service, notwithstanding the previous services i have paid for when XXXX was my cable provider. Overall, this collection agency has not been cooperative to clearing my credit report event the support from XXXX.
Consumer complaint received 2020-05-21
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: EQUIFAX, INC. (NC)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX # XXXX, US DEPT ED # XXXX.
Consumer complaint received 2020-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A. (TX)

I did receive a student loan from CitiBank while in school. After I graduated I did enroll in a payment plan to pay my student loans. For whatever reason ( I never realized it ) this loan was not included in my repayment plan, but all my other student loans were included. The student loan from CitiBank that I approved was for the amount of {$1700.00}. It was only one loan in the amount of {$1700.00}. CitiBank reported to the credit bureaus that I have two accounts in this amount. The student loan ended up going into collections for nonpayment. One account was closed on XX/XX/XXXX, and the other account was closed on XX/XX/XXXX. The account that was closed on XX/XX/XXXX has an inflated balance of {$3900.00} from the original {$1700.00} that was the approved student loan amount. I question if my case falls into the CitiBank lawsuit that was recently conducted. I have recently tried to contact a collection agency that sent me a statement to payoff with a lump sum. They told me they had sold my account. I have called CitiBank trying to contact the company who currently has my account. CitiBank has not returned any of my messages and another department from CitiBank says they can not help me because they no longer have my account. I hve called and left messages with seven different phone numbers to no avail. Please help.
Consumer complaint received 2020-05-20
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. DPT EDXXXX XXXX {$7500.00} XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX {$620.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXXXXXX {$11000.00}
Consumer complaint received 2020-05-20
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: LEXISNEXIS (TX)

Credit reporting agencies are reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating that they do not provide any information to any credit reporting agency regarding bankruptcies. I demand that XXXX, XXXX, XXXX  and Lexis Nexus provide the name, date and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2020-05-20
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. (MN)

I been receiving continuous phone calls of harassment, profane and abusive language, garnishment of all and any bank accounts, death threats and threats of being sent to jail and prison, from XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  Representatives for fraudulent accounts and debts that arent my debts or accounts. The XXXX XXXX XXXX XXXX XXXX XXXX Account for {$500.00}, XXXX   XXXX/XXXX  Account for {$3200.00} and XXXX XXXX Account for XXXX XXXX for {$84.00} is fraudulent accounts and debts thats not my accounts or debts. XXXX XXXX XXXX, XXXX XXXX/XXXX  and XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law. The following credit inquiries are fraudulent and unauthorized : XXXX, XXXX  XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-05-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC (MD)

On XX/XX/2019 I deposited, into my personal XXXX account, a check at the direction of my emloyer in order to conduct business on his behalf. 

5-6 days after the deposit ( orig check amt is {$9800.00} ) the account balance was {$5000.00}. I called XXXX corporate offices, spoke with a representative named XXXX, who assured me that any funds appearing in my account balance are cleared by the bank and authorized for use. I proceeded to conduct business on my employer 's behalf. 

On XX/XX/XXXX, I attempted to access my bank account and was denied access. When I contacted the bank I was informed that the original check had been returned, my account was frozen and I owed XXXX the money I had withdrawn to purchase Postal Service money orders to make payment to my employer 's client. 

I have been contacted by a collection agency, XXXX in XXXX, PA. I do not have the means or desire to repay this amount, as I was defrauded by my employer then victimized by my financial institution, who tells me no matter what their representative informed me, he was wrong and I'm responsible as the account holder for the amount of the withdrawal ( plus interest, fees, penalties ). 

I hope something good will happen. Thank you
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under IQ Data International and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as IQ Data International had not responded and a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (NY)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-04-27
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. (MI)

in 2017, goin thru a divorce, divorce decree signed by judge stated that ex spose was to sell house or refinance within a year and hold me harmless, that didnt happen, forclosure se sent it to,,, i cant get help getting it off my report.. its her responsibilty and action for this mess ...