davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-27
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: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX gave me two letters of release stating the debt  wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX 


My correct address is XXXX XXXX XXXX XXXX CA XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX and XXXX, two checks were attempted to be deposited in my account by a XXXX XXXX. The checks were signed using a text box and submitted via mobile deposit. The name used to " sign '' the checks is a name I have not used in over 10 years. Afterwards, a transfer was initiated to a man named XXXX XXXX, to whom I have no connection, by a man named XXXX- assumedly the check holder - of {$1800.00}. XXXX is NOT authorized on my account, I have NEVER authorized another party on my account. I am the only authorized person on my account. 

Both attempted deposits were returned, but the transfer was not. This resulted in my account going negative by {$1400.00}, transfer and overdraft feels hitting my husband 's savings and knocking it down to {$0.00} for a total lost of {$700.00}. I filed claims on all charges IMMEDIATELY. I closed my account, opened a new one, changed all my passwords, and put flags on my social security number, credit report, and with all my other existing credit cards. I told Wells Fargo I do not know how this person got my information, how the mobile deposits were made, or how the wire transfer went through. I know my logins were compromised so I changed my password AND username immediately with Wells Fargo as well. I submitted the fraud claims on all counts. 

OnXX/XX/XXXX, I called to follow up on the claim status. I was advised my claim was denied because " the user had access to my account ''. This is exactly WHY I filed the fraud claim in the first place, I do not know how they gained access to my account. I have run an antivirus on my laptop, reviewed all potential phishing opportunities I may have missed, and have gone through my texts to see if anything was placed on my phone to steal my saved passwords. I have escalated my claim due to the denial, the lack of investigator contact, and no attempts being made to fact-find from me, the account holder and victim. I am now thousands of dollars in debt, unable to pay my bills, and the victim of BLATANTLY OBVIOUS FRAUD that the bank has denied.
Consumer complaint received 2020-07-20
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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX  XXXX # : XXXX To whom it may concern : I am writing this letter to explain my situation regarding my forbearance process on my mortgage. I called on XX/XX/2020 to discuss my mortgage forbearance, I spoke to XXXX XXXX who identified herself as the senior Specialist Relationship Banker to inform her that I wish to discontinue the process of my mortgage forbearance. I informed XXXX that my monthly mortgage payment is available and can be deducted from my account monthly. As discussed with her the monthly payment was deducted accordingly from my XXXX account while its being in forbearance. XXXX informed me that she will remove it from my account and mail me a letter regarding the discontinuation of forbearance on my mortgage. I have not received that letter and I am still in forbearance. Please discontinue my mortgage forbearance on my account. 



Please anything you can do to expedite the process will be greatly appreciated as the error affects my credit report. 

If you have any questions feel free to call me anytime by email XXXX or by phone XXXX Sincerely and Respectfully, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX number XXXX X XXXX Fax XXXX
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (CA)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent  accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX CA XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-19
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. (MI)

I spoke to a representative at equifax about getting some inquiries removed that I didnt authorize that I found on my credit report. They told me I would have to reach out to the companies to have them send a letter to request that they be removed. I had never talked to anyone at these companies so when I asked the rep if they could give me phone numbers to the places that made the inquiries they couldnt give me the numbers so I had to XXXX each number to make contact. When I spoke to each one they had no record of me even making the inquiry because I had not made them. I called the Bureau back and told them that they had. I record of the inquiries they still told me that they couldnt deleted them nor would they investigate the inquiries. Ive also sent them a letter asking that these unauthorized inquiries be investigated and deleted from my report a letter which they said they never received. 

1. XXXX XXXX  XXXX. 
Date of inquiry XX/XX/19 2. XXXX XXXX XXXX Date of inquiry XX/XX/19 3. XXXX XXXX XXXX Date of Inquiry XX/XX/19 4. XXXX XXXX XXXX Date of Inquiry XX/XX/19
Consumer complaint received 2020-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I initially had a student loan with XXXX XXXX XXXX ( had set up automatic payment and deferment on the account. ). Eventually, XXXX XXXX XXXX sold the account to XXXX XXXX XXXX. ( I was not notified of the action ) as I was overseas. A credit reporting of 180 days late was reported on my credit report.
Consumer complaint received 2020-07-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Contacted XXXX, Transunion, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-07-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2021-05-05
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. (GA)

I opened an account with XXXX  XXXX  in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I made a check out to my husband from my XXXX XXXX account in the amount of {$1500.00}. The check was deposited via mobile deposit to his Wells Fargo 's checking account. After several days of waiting for the money to clear the bank rejects the deposit and sends the money back to me. However the reason the bank rejected this deposit was because the check was deposited two times once on XX/XX/XXXX by my husband and a second time XX/XX/XXXX by an unknown person to a XXXX XXXX  XXXX account. The check never left our possession nor has been stolen, so there is no way the check could be deposited in another bank other than the same depositing bank. No one in the household has a XXXX XXXX XXXX account and my husband went into XXXX XXXX XXXX today to ask and confirm that he has no accounts there. Thus, this is a case of fraud. We tried filing a police report but the police said there is no basis to file this as a police report since this is an error that must be solved between banks. Basically, the money was drawn twice from my account and reflected ( {$3000.00} ) but they only returned the money once ( {$1500.00} ). So now we are short of the {$1500.00} and some stranger has it and these banks do not want to help us with our situation. Hence either there was a clerical error at the bank processing of the check or someone within the bank is transferring deposits to a different bank for personal benefit as is quite believable with the terrible history at Wells Fargo. We have contacted both my bank ( XXXX XXXX ) and his bank ( Wells Fargo ) numerous times and every time they close the cases and say there is no issue. They do not want to assume responsibility for the mistake made by Wells Fargo since they most likely have to pay the money from their own funds to cover the lost. I have all the recorded documents and proof to prove my case and my husband went to Wells Fargo to further his claim in person and the people there appeared to agree with him but the final verdict came in the letter sent by them where they ended up closing the case and giving no solution. It makes no sense to me how depositing a check at one bank can end up in another bank and also the discrepancy of the check deposit dates. The first one should have priority over the second one. What looks like a simple error has been drawn out for almost 5 weeks. We just lost {$1500.00} out of no where due to bank errors.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (KS)

I have called and made several attempts for Navient to remove these multiple closed accounts off my report, and have been told there is nothing they can do. I only went to school  XXXX XXXX. These people are showing on my credit as a closed loan 8 different times.
Consumer complaint received 2024-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

IC Systems just showed up on my XXXX XXXX report ( showed up in the last month ). It says it was open XX/XX/year>. I have not received any correspondence from IC Systems. I did not miss payments on anything during that time period so not sure where a collection would come from.
Consumer complaint received 2020-07-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (AR)

My identity has been compromised i have no idea who couldve done this to me. As I pulled my report I saw an outragous amount of accounts under my name that were not mine. Please delete these items from my report.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IN)

Comentity Bank and XXXX have claimed to of closed this account due to inactivity. Their current policy, nor did the policy at the time of applying for this card, did not have anything regarding inactivity. 

I also did not receive any type of correspondence whatsoever regarding my " inactivity ''. No letters or emails were sent on Comentity Bank or XXXX 's behalf regarding inactivity or the closing of my account.
Consumer complaint received 2024-09-23
Product: Credit card — Store credit 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. (FL)

In XXXX I ordered some sandals from Bloomingdales online. In the next few days I did not receive a confirmation of my purchase so I assumed the order did not go through for some reason. I NEVER received the shoes. As I pay this CC bill online and had not ordered or bought any other item recently I assumed I had no balance on my card, so did not even look up the monthly statement. I was surprised when I started seeing emails and getting collection calls about my account. Four times I called Bloomingdales and spend a lot of time on hold about this issue. They first said I did not call in time-within 30 days-but would delete the charge. As the weeks went by I was still getting collection calls and emails, so I called 3 more times and each time they said they were investigating the matter and the last time they said they would not delete the charge.

When I order from most other vendors, I most always get a 1. Confirmation of the order. 2. Notice that the items have shipped ; and 3. Notice that the item has been delivered. Bloomingdales did not notify me in anyway about the purchase and was surprised to have them tell me it was delivered by XXXX. Rarely see strangers around my home, ( a townhouse ) and whatever else I have ordered, I have always received it. I have had the CC for 35 years or more and never had an issue. My credit has been damaged and feel this is not a proper resolution. Please assist me. Thank you, XXXX
Consumer complaint received 2019-05-09
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. (CA)

XXXX your bank XXXX is reporting to Equifax validated on fraudulent account, but the account was sold to XXXX XXXX, who state remove account from credit reporton CFPB response XXXX has stated to CFPB that Equifax contacts them over 20 times and they verify account that they have no right to.? I want facts that if you state sold to XXXX XXXX why XXXX keeps reporting it to equifax <Equifax and XXXX XXXX this is for you You validate that account is mine even theo it is not owned by XXXX SHOW EVIDENCE THAT THEY HAVE A RIGHT TO REPORT ON AN ACCOUNT THAT XXXX DOES NOT OWN AND YOU EQUIFAX KEEP REPORTING THIS IS FRAUD REMOVE ACCOUNT OR SHOW YOU OWN IT
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MI)

Hello, I was contacted by Chase concerning a debt that I owe on a credit card opened in my name. The credit card issued is not a card that I have ever possessed nor applied for. The account was fraudulently opened under my name. When I contacted Chase they stated that the card had been issued in XX/XX/XXXX and the account was bought by another company for collections. They then provided me with a phone number to contact regarding the account. When I called the number there was not an operator nor a legitimate company answering system. It was an recorded advertisement. I have contacted the FTC to report the fraud as well as XX/XX/XXXX. And now have put a freeze on my credit report throughXX/XX/XXXX. What are the next steps in removing the account from my name and reporting the Identity Theft? I would really like to have the account absolved from my name. 

Thank you, XXXX XXXX
Consumer complaint received 2020-05-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (NJ)

Continued calling my cell. Pushing about a debt we never owed, have no idea what they are talking about, use profane, threatening and abusive language / tactics. 
Asking them to stop calling only causes them to increase frequency and elevate the abusive rhetoric. 
Upon checking with all credit institutions, no such debt exists on any record anywhere. 

They call from XXXX and from research it appears I am not their first target.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MI)

I was denied the credit for the Chase Business Ink card because they said I have a history of delinquency per XXXX  with XXXX  XXXX on XX/XX/2021 ( which I informed them, on XX/XX/XXXX, that this is entirely incorrect and not on my report ). I requested my XXXX  report after denial and it too reflects no delinquencies at all. Chase told me I would have to reapply for the card in order be reconsidered. This is something I will not be doing.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

In XX/XX/2020 I entered into a forebearance agreement with Wells Fargo bank for the mortgage on a property that I own due to COVID-19. As a result I skipped my monthly mortgage payments in XXXX and XX/XX/2020 which totaled {$4000.00}. I resumed my monthly mortgage payments in XX/XX/2020. 

On XX/XX/2020 while reviewing my Wells Fargo mortgage account I noticed that Wells Fargo increased my principal balance from {$270000.00} to {$280000.00}. 

On XX/XX/2020, I telephonically contacted Wells Fargo bank to ascertain the reason for increase on my principal balance. The unidentified employee indicated that the principal increased because of the skipped mortgage payments. 

It was explained to me when I entered the forebearance program that the missed payments would be added to the end of the loan. I did not borrow any additional money from Wells Fargo so my principal balance should not have increased. The Wells Fargo employee could not adequately explain the principal balance increase, she almost seemed to not understand it herself. 

My mortgage principal balance remains unchanged and is higher than when I entered the forebearance program.
Consumer complaint received 2021-08-10
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. (TX)

I am a victim of identity theft and I have tried to correct to correct the inaccurate, incorrect and misused information on my profile multiple times, and this company refuses to correct and tells me its verified. I have shown proof information is all inaccurate and still they claim its verified.