davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (WA)

In the Spring of XX/XX/XXXX, Wells Fargo notified me they had frozen my XXXX XXXX ' checking account due to " attempted unauthorized access ''. No funds had been removed from my account, and they refused to provide any further evidence of or information about this unauthorized activity. They told me the account would be frozen for six months and then closed permanently, and that I would need to set up a brand new account with them. At the time I relied heavily on automatic bill payments due to the large number of XXXX my XXXX had to pay, and this situation caused a large number of those payments to fail. After spending hours on the phone with Wells Fargo customer service and escalating my issue up the chain of command, I decided to move to a different bank and close my Wells Fargo accounts myself. That's when the issue I'm actually filing a complaint about began. I went through several rounds of closing my account, then finding out later it had been re-opened, with ongoing fees. When I would call in to inquire about the matter, I was told the account was re-opened after closing because " there was continued activity. '' In many cases, this " activity '' was from fees the bank itself was charging to my account, and in others it was due to XXXX I was still in the process of switching over to my new bank ( or that I had forgotten in the process because they were paid infrequently ) attempting to charge my debit card. I tried authorizing the bank to reject any attempted activity on the account and let me deal with the consequences, but was told that was not how it worked. This happened at least three times, each time with promised that the account was really closed this time. I was told if I came into a branch to close the account they MIGHT be able to close it permanently, but I explained ( despite them already knowing this ) that I lived high in the mountains, a long drive away from the nearest branch, and that I was running a highly face-to-face customer-focused business single-handedly and could not afford to make a long trip in the middle of the week with no promise of success. 

To this day ( six years later ) the account remains open, and I have continued to incur bank charges every month. I have since moved to a less remote location in another state, but based on my past experiences with this bank I do not have any confidence that walking into a branch ( especially a branch other than the one where the account was opened ) will result in any satisfaction.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

CAINE WEINER is claiming that I owe them {$550.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

My mortgage servicer was transferred from Dovenmuehle to XXXX mid XXXX, with the XXXX payment due to XXXX. I have verified with XXXX that this is correct. I received notices in the mail from Dovenmuehle, XXXX and XXXX verifying this. 

Since this time, Ive made all required payments to XXXX and am in good standing with my mortgage. 

Since late XXXX, Ive received multiple calls from the collections department at Dovenmuehle, that I am delinquent on payments. When I inform them that they are no longer the servicer, they inform me that they show that is incorrect and I need to make a payment. Ive talked to their customer service department twice about this and have emailed them proof ( the letter they sent me, along with the letter from XXXX and XXXX ), but have yet to hear back. Additionally Ive received a collections letter from Dovenmuehle, stating I owe them two months payment and if not received by XXXX, they will start the foreclosure process.
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (CA)

I have submitted disputes to you and I don't get a response within 30 days and you all are required by law to do so. Please investigate my disputes. Thank you!
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (IL)

My mortgage has switched companies over the years from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX to XXXX XXXX and now Fay Servicing. My mortgage has not been reported to credit bureaus in several years and explained to be because I deferred some payments in a modification with XXXX. There is a deferred balance on my current mortgage statement that exceeds the amount of payments I was behind and I'm told I can not make payments towards the deferred amount unless my principle is paid off which basically doesn't allow me to refinance. I pay an average of XXXX $ payments for decade that only XXXX $ s goes towards principle monthly. My interest rate is 4.25 %. I have sent multiple emails to ask for assistance on getting mortgage to have one balance and I keep getting a reply I will get a call within 48 hours. I attempted to contact on XX/XX/XXXX and XX/XX/XXXX. As of today 's date XX/XX/XXXX I have not received a call back. I do get occasional emails that I am part of a class action suit involving one of the parties that once handled mortgage ( XXXX ) but the notification does not come from Fay. I can't get Fay to speak with me on how to get my mortgage under feasible control. When I bought my home in XXXX they split loan into mortgage with XXXX home loan and an equity loan. Against my wishes my XXXX bankruptcy attorney included that equity loan in XXXX XXXX stating not responsible for payments but XXXX XXXX who has that debt does have lien on my home despite what my attorney stated and has since apologized for misleading me. In short, I have paid so much toward my home with nothing to show for it but owing more on it than original purchase price and whenever I've asked for explanation from previous mortgage handlers, I get notified my mortgage is switching hands and to take up with them. I can't get current mortgage holder ( Fay ) to respond at this time.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

XXXX, XXXX and Experian are XXXX  MY Social Security number. I have seen my scores decrease with absolutely no change in my credit. I have no collections and have not had any late payment in over a Year. I contacted each bureau and was told that there was no change to my credit to warrant a significant drop in my scores. XX/XX/2022 my XXXX score was XXXX. By XX/XX/2022, my score with XXXX was XXXX. By XXXX XXXX my score went up to XXXX. I watched my score decrease without NO Change to My credit. By XXXX XXXX my score had went down to XXXX down XXXX points. I called XXXX and was told that there was no change. XXXX has done the same thing. XXXX XXXX my XXXX score was XXXX. It went to as high as XXXX on XXXX XXXX. By XX/XX/2022, my score decreased to XXXX a change of XXXX points. I verified with XXXX that there had been no change to my credit report. These bureaus are keeping me from reaching lending criteria. Also, these credit bureaus have reported a fraud indicator to these companies that are preventing me from establishing credit. Every company I apply to is saying that my identity can not be verified and there is a risk of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE A IDENTITY THEFT CASE OPEN OR PENDING. I DO NOT HAVE A SECURITY FREEZE ON MY SOCIAL SECURITY NUMBER. I DO NOT HAVE A FRAUD ALERT ON ANY OF MY ACCOUNTS WITH THE CREDIT BUREAUS. THIS IS EMBARRASSING AND DEFIMATION OF MY CHARACTER. I
Consumer complaint received 2022-08-20
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. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are Equifax XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over XXXX points. SEE ATTACHMENTS
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson Cruz & Associates LLC (FL)

Several weeks ago I contacted the Nelson Cruz and Associates company and indicated that I have an account in my credit report that does not belong to me and is hurting me at that moment, especially by Mrs. XXXX XXXX and she told me to send her by email the police report and all my documents. It has been several weeks of this and I have not received an answer, today I contacted the company and they passed me to a manager named XXXX XXXX. He tells me that the account is finished investigating and they determined that the account does not belong to me because they do not have any information about me and he told me that the company 's lawyer said that the account stayed in my XXXX  report because this is a old account and he's not going to delete it even if it's not mine. He told me that the best thing I can do is pay it off and forget about making a dispute. I explained to Mr. XXXX that this account is not mine that I was a victim of identity theft and he tells me that they do not care and that I have to pay and that since the account is {$700.00} I can not sue them. At the end of the last thing he told me I tell you a secret, we do nothing with these police report send it directly to XXXX and forget about this process.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (NJ)

I was a victim of fraud in XX/XX/2022 and reported it to Citibank. I was told to go into the branch so that they could close and open a new acct for me as a measure against fraud. My previous acct had a line of checking plus of {$1000.00}. Due to the fraud hitting my credit score for multiple reasons, ( Citibank, Amex credit card and XXXX ) my credit score was lowered. During this entire process I was assured I would be approved for the overdraft. Turns out, the managers at the XXXX Citibank in XXXX, lied to me by providing misinformation. They are not authorized to tell customers if they will get approved for certain products as this was the case in my situation. Overdraft is given SOLELY on credit score and given my score took a hit during this fraudulent activity there was no way the managers should have ensured me that everything would be the same.
Consumer complaint received 2022-09-18
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)

In late XXXX XXXX i commenced a dispute of the contract between me and XXXX XXXX XXXX Via an inquiry directly with said company At which point I was under the impression that negative reporting would cease for 30 or at least until There was proper validation of the obligation however XXXX and Equifax immediately reported negative information during this time and they refuse to rectify this mistake after I have reached out to both of them and provided all pertinent documentation of this dispute. XXXX is also refusing to amend the report after several request
Consumer complaint received 2021-02-10
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: Experian Information Solutions Inc. (AZ)

This account is in error and the credit bureaus are just doing the same old thing over and over again, and it is just tiring. I disputed the information and it came back verified even though the information was incorrect. As showed in the picture below the date opened for for all three bureaus are wrong, the account balance is wrong, and the date last active is just wrong. I wasn't even in XXXX all of XXXX, I have been living in XXXX since the end of XXXX. I'm in talks with a new potential employer and due to their requirements I can't have any collections on my credit report.
Consumer complaint received 2021-02-10
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. (GA)

The following items are reporting on my credit file incorrectly and there are some items that do not belong to me : The following that is incorrect are : 1. XXXX - This account is showing inaccurate late for XX/XX/XXXX - XX/XX/XXXX ; please provide me with proof of these inaccurate reportings are correct. 

2. XXXX  XXXX - This account is showing inaccurate late for XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

3. XXXX - This account is showing inaccurate late for XXXX & XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

4. Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts does not belong to me. This is not my accounts : 1. XXXX - This is not my account ; I never opened this account. 

2. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$0.00} 3. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$4200.00}
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX, Transunion and XXXX are XXXX MY Social Security number. I have seen my scores decrease with absolutely no change in my credit. I have no collections and have not had any late payment in over a Year. I contacted each bureau and was told that there was no change to my credit to warrant a significant drop in my scores. XX/XX/2022 my Transunion score was XXXX. By XX/XX/2022, my score with Transunion was XXXX. By XXXX XXXX my score went up to XXXX. I watched my score decrease without NO Change to My credit. By XXXX XXXX my score had went down to XXXX down XXXX points. I called Transunion and was told that there was no change. XXXX has done the same thing. XXXX XXXX my XXXX score was XXXX. It went to as high as XXXX on XXXX XXXX. By XX/XX/2022, my score decreased to XXXX a change of XXXX points. I verified with XXXX that there had been no change to my credit report. These bureaus are keeping me from reaching lending criteria. Also, these credit bureaus have reported a fraud indicator to these companies that are preventing me from establishing credit. Every company I apply to is saying that my identity can not be verified and there is a risk of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX AND XXXX XXXX XXXX. I DO NOT HAVE A IDENTITY THEFT CASE OPEN OR PENDING. I DO NOT HAVE A SECURITY FREEZE ON MY SOCIAL SECURITY NUMBER. I DO NOT HAVE A FRAUD ALERT ON ANY OF MY ACCOUNTS WITH THE CREDIT BUREAUS. THIS IS EMBARRASSING AND DEFIMATION OF MY CHARACTER. I
Consumer complaint received 2022-07-29
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. (NY)

I am writing to notify CFPB and Credit bureaus my rights as a private woman and consumer is being violated. Upon reviewing credit reports I see Account name : XXXX XXXX ACCOUNT # XXXX* under 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) The Credit Bureaus and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is breaking the law furnishing to my credit reports without my consent the law clearly states - I the consumer must be granted the opportunity to deny any information being communicated on my consumer report '' AND any and all claims MUST be verified with proof before placed on my credit profile- There exist no verified proof nor consent by me, authorizing XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports ; they must be deleted. **** I HAVE a RIGHT TO PRIVACY AND 100 % ACCURACY on my credit reports. Additionally, All mentioned parties do not have correct information furnished on my credit report pertaining to my legal name and resident address. I really believe this may be a case of mistaken identity and or identity theft.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XXXX and XX/XX/2022, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

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 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 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 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 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 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 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 2022-08-20
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. (NC)

XXXX XXXX MY University notified me that I was approved for the XXXX grant- these grants were not supposed to be registered as loans and they have added thousands of dollars inaccurately to my overall debt on my credit report. 

I am also writing because an unverified innacurate Collection form XXXX is still showing up on my XXXX account even though the other bureaus have already found fault in reporting and removed it. What does XXXX have to verify that this account is accurate when I have been diligent in supplying them ample evidence that this account is clearly being inaccurately reported against my FCRA rights! 

And A chargeoff from XXXX that is not being reported accurately. How can a charge-off/collection also show that I paid my account on time? How does a consumer get such a major derogatory item on their credit report but yet it's reported I was paying my bills on time, every month? I have been sending in disputes for over a year and the bureaus have failed to explain how this account is still being able to be reported. It is Clearly a major violation of my FCRA rights!! 

I have written to XXXX, XXXX, and Experian and they have refused to take these inaccuate accounts off of my credit report. Per my understanding, due to the FCRA this is highly illegal and unfair to my reporting rights. I do have the right to request anything inaccurate be removed from my credit report. 

Attached below are some of the numerous attempts I've made to get these items removed from my reports being that they are clearly inaccurate
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went into the dealership with a pre approval from XXXX XXXX XXXX  the Make that was helping I gave the pre approval and stated this is the only company I would like my credit pulled from since I already had an approval. XXXX and his boss assured me that they would only pull from XXXX XXXX XXXX but when left I started to get a bunch of inquiries. I did not authorize XXXX to pull my credit from all the companies they pulled from. 
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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.