davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX, XXXX ; XXXX, XXXX  ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX XXXX  : {$19000.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX  : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX XXXX  : {$0.00} XXXX XXXX  XXXX Date opened : XX/XX/XXXX XXXX  XXXX {$1700.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX  XXXX {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX  : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened : - XXXX  : {$34000.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Date opened : XX/XX/XXXX XXXX  : {$0.00}.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (IL)

First off, i opened an account with wells Fargo in 2011. Outside of the bank account, i had an incident like a civil law suit going on, so i had to relocate myself and my wife and children.I never closed my account or had any further contact with the bank, so i called a XXXX of years ago and someone told me on the phone that i never had an account.So by me living in another state, i kinda just leff it alone.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

last XX/XX/2022, my account on paypal became permanently limited access, the paypal says that I have a suspicious transactions even though I've what they are requiring me for, all of my money got hold and I need to wait for another 180 days to get my money, wishing and hoping to restore my account in order to get my money back
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I had a home mortgage with Wells Fargo from XXXXXXXX XXXX XXXXXXXX. I struggled to pay the mortgage and on several occasions tried to get the mortgage reduced so as not to lose my home but Wells Fargo made it very difficult each time so we continued to struggle paying it.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo, my account was from XXXX. Was under XXXX XXXX. Constant overdraft fees and atm fees when told it would be refunded never was. Over drafted my account almost XXXX closed my account. Auto loan paid off and refuse a XXXXXXXX XXXX. Another company never paid back from gap insurance as supposed to and advised.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

I was being charged overdraft fees even when I wasnt overdrawn on my account. I went in personally to fix this problem and the lady I spoke with in the XXXX XXXX office told me there was nothing they could do. So not only did they take money that was mine they charged over draft fees to my account. The bank made a mistake when I had money in their to cover my purchases but showed I didnt so I was charged overdraft fees. When I went in person to provide proof of my recent deposit from my paycheck they said there was nothing they could do and she closed my account. So I lost an entire paycheck and was charged over draft fees. Its was close to XXXX total including overdraft fees
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (CA)

VICTORIA SECRET CARD COMMENITY BANK- i was on a harrdship plan where I was paying {$15.00} a month and 3 payments in I was told i defaulted and owed the whole amount. They didnt credit me for payments I had made in store correctly and wouldnt reinstate or fix that issue which caused them to close cars acct, terminate hardship plan and ruin my credit.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALAMEDA MORTGAGE CORPORATION (CA)

Please Review THE LAW you must cancel the fraud loan XXXX the cancelation docs are not dated correctly, that means the 3 day window is extended. XXXX  Then you accepted the cancelation, even with your wrongful and criminal extortion of the XXXX of escrow money you never spent. 

CANCEL THIS STUPID LOAN!!!! STOP COMMITTING FRAUD AGAINST YOUR SHAREHOLDERS AND THE IRS FOR A LOAN YOU KNOW YOU DON'T HAVE!!!
Consumer complaint received 2023-01-20
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: Mr. Cooper Group Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
SETERUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

About 2011 I opened up an account at Wells Fargo and the person who opened up my account kept putting a paper in trying to get me to sign an investment form. I kept refusing but I did notice my account kept getting lower either from fees or other items not making sense. I was living at the driftwood apartment at the time in XXXX XXXX XXXX but do not remember the address.
Consumer complaint received 2023-01-22
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Integrity Asset Partners, Ltd. (WI)

The debt was taken care of with the property management Integrity Asset XXXX of XXXX XXXX Texas in XX/XX/2018 and a legal contract was signed stating no debt is owed. Well the property managers never updated the information and my account was picked up by XXXX collection agency. I called XXXX and told that debt was paid and they contacted the company it took XXXX 2 months to update to my information to state I do not owe any money to either Integrity Asset XXXX or XXXX. But Credit bureaus wont update my status to reflect that no balance is due and it still remains as a valid debt status. Please assist in removing.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

Overdraft fees and companys charging my accout after i called said it was fraud it shows up again and takes money out XXXX i was charged XXXX dollars for XXXX dollars over draft but the same day tried to take money out and was denied
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2020-05-11
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: General Motors Financial Company, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX TO XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-04-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

Tried over one week to reach company about letter they sent to me. I had the company on hold as I was in midst of sending this complaint, however, someone finally answered the phone for customer service at Freedom Mortgage.

Due to the " virus '', all employees are working from home. My complaint was a serious matter and everything is settled { for now }, so I will end this complaint. 

Thank you, CFPB, I do appreciate you being here for us, it gives an individual peace of mind knowing you work as a voice to the consumer. I have come to you before with a different mortgage company and their shenanigans ; after hearing from you, matters were corrected!!!! Thank you again, XXXX XXXX
Consumer complaint received 2020-05-10
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: Midwest Recovery Systems (ME)

Alleged account is from an address I did not reside at in 2013. Also in accordance with Maine statutes, this account is too old for credit reporting, The account is being reported beyond the statutes.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (RI)

After a while the payments became harder and harder to make. It got to the point that things where not adding up and it was costing more to fix the car all the time then be able to use it. I was charged for things that were not wrong with the car at the dealership. Then after I lost my job I returned the car to the dealership. I was not informed and was not told what happened to the car from either the dealership or XXXX and XXXX the lending company. Just that it was a written off as a charge off.
Consumer complaint received 2020-05-11
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)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$1300.00} Original creditor : XXXX XXXX XXXX {$1300.00} Highest Balance {$1300.00} Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Original creditor : XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$190.00} Highest Balance {$190.00} Opened XX/XX/XXXX
Consumer complaint received 2020-05-11
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. (CA)

Pretty simple ... ... .My mortgage loan holder XXXX XXXX stated they would stop reporting any derogatory information to credit reporting agencies during the COVID-19 pandemic. 
In XX/XX/XXXX a ( Late Payment ) was reported to XXXX, XXXX, and Experian ... .I submitted an online request to have this derogatory information deleted. They all have failed to comply with this request as of XX/XX/2020
Consumer complaint received 2020-05-11
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)

Pretty simple ... ... .My mortgage loan holder XXXX XXXX stated they would stop reporting any derogatory information to credit reporting agencies during the COVID-19 pandemic. 
In XX/XX/XXXX a ( Late Payment ) was reported to XXXX, Equifax, and XXXX ... .I submitted an online request to have this derogatory information deleted. They all have failed to comply with this request as of XX/XX/2020
Consumer complaint received 2023-01-20
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: NAVY FEDERAL CREDIT UNION (GA)

1. Navy Federal reported a late {$20.00} payment in XX/XX/XXXX  going against 15 USC 1681a ( 2 ) ( A ) ( i ) FCRA, This made my credit score drop XXXX XXXX I called the company and asked them to remove it and they told me no.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

I called Wells Fargo to find out if my checking account ending in XXXX was one of the XXXX XXXX customers who qualified for damages under the XXXX XXXX dollar settlement. The representative said that he didnt have any information and couldnt tell from his end. This complaint is solely for finding out if my account is affected and if so, when would I receive payment.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (LA)

I contacted Citi Bank in XX/XX/2022 regarding a Best Buy Credit Card that was opened fraudulently. Ive attempted to contact them with updates regarding their investigation. Ive been unsuccessful in many of my attempts. The few times Ive spoke with they, they informed me there are no updates. From XX/XX/2022 til now, they have put delinquent reports on my credit report. During investigation, they should not expect me to make payments. They caused my XXXX XXXX to drop over XXXX points since XX/XX/2022. Ive provided the necessary documents to prove the Best Buy Credit Card was opened fraudulently.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-11
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. (CA)

Pretty simple ... ... .My mortgage loan holder XXXX XXXX stated they would stop reporting any derogatory information to credit reporting agencies during the COVID-19 pandemic. 
In XX/XX/XXXX a ( Late Payment ) was reported to TransUnion, XXXX, and XXXX ... .I submitted an online request to have this derogatory information deleted. They all have failed to comply with this request as of XX/XX/2020
Consumer complaint received 2020-11-19
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. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.