davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (TX)

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
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 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 2023-01-18
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: Experian Information Solutions Inc. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-01-18
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: Radius Global Solutions LLC (GA)

I demand these account be removed immediately! These accounts have violated my rights to privacy pursuant to USC 15 1681. RADIUSGLOBAL XXXX has violated my rights and I sent them multiple cease and desist letters without prevail. This company does not have the right to collect in the state of Georgia so they are criminal. And pursuant XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-18
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. (TN)

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, and XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (KS)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I found there to be numerous unauthorized transactions that were posted to my checking account starting on XXXX and continuing until XXXX which is the date that I first noticed the transactions and when I contacted Wells Fargo to cancel my card to prevent any further charges as well as to file claims for the unauthorized charges that had already taken place at that point. These unauthorized transactions fall under Wells Fargo Claim Reference Number : XXXX. I was grateful to have gotten a provisional credit issued to my account a few hours after filing the claims for the total amount of the disputed transactions which was {$1400.00}. Two days later I find that the very first disputed transaction that I filed a claim for was denied and the amount of that transaction was then debited from my account. This happened right before a Federal Holiday and I assume that based on how quickly they decided to deny my first claim that they will ultimately do the same for the remaining claims that I filed and subsequently debit my account for the entire provisional credit amount. This despite the fact that the transactions in question are completely unauthorized and were unbeknownst to me until deciding to login to my online banking account to see what my balance was because I was getting ready to have to access the money in my account to pay my rent which is how I first became aware of the unauthorized transactions on XXXX. In the days following being issued the provisional credit, I needed to withdrawal basically all of the funds in my account to purchase a money order to pay my rent for the month which I did, late due to the circumstances, but fortunately paid nonetheless. Therefore if Wells Fargo decides against my claims as they did with the first one out of the bunch and ends up debiting my account for the entire amount of the provisional credit then I would not only be out of the {$1400.00} in unauthorized transactions but my account would also be in the negative for that same amount so Id essentially be punished twice because I needed to pay my rent using the provisional credit. Aside from the initial claim denial, theres about XXXX additional claims that are still under review and havent been ruled on yet but after seeing the first claim denied and the amount debited from my account I wanted to be proactive in filing this complaint in hopes that this will help get me the right outcome for my remaining claims which would be for Wells Fargo to rule in my favor and make the provisional credit in my account permanent by ruling in my favor.
Consumer complaint received 2023-01-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALAMEDA MORTGAGE CORPORATION (CA)

d ) Any person transferring the servicing of indebtedness as provided in subdivision ( a ) to a different servicing agent shall provide to the new servicing agent all existing insurance policy information that the person is responsible for maintaining, including, but not limited to, flood and hazard insurance policy information.XXXX XXXX XXXX XXXX So did you pay ins or taxes when you miss applied, absconded with, or otherwise negligently put XXXX XXXX into an escrow account! Or later stole, embezzled, and refused my demand to return that XXXX XXXX amount. 

Wheres the money!!! Where did u apply my escrow? Did you pay taxes or ins. You took the money. Where did it go. And stop blaming the servicing company for your theft of my XXXX XXXX that you STOLE from me. The escrow I DEMANDED return of.
Consumer complaint received 2023-01-18
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. (GA)

I demand these account be removed immediately! These accounts have violated my rights to privacy pursuant to USC 15 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX have violated my right and I sent them multiple cease and desist letters without prevail. Make sure they receive them and delete these accounts of my consumer report! 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Attached is the cease and desist letters for both companies!
Consumer complaint received 2016-12-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I do n't know if there is a timeliness factor in the mortgage process ; but I have been working with HSBC since XXXX to refinance XXXX investment properties. The processors request the same info over and over ; and then because the process is taking so long ( on their part ) ; they have to request credit reports, income verification, etc a few times. I have responded to all of their requests within a day, I have not been part of this delay. The have sent me no less than 5 or 6 Final Disclosures, Mortgage Commitments. I try to call the reps, and never get through to a person. My biggest issue with this process taking months is that I have other investments properties, with mortgages from other lenders that I wanted to refinance ; but was told to wait until this is completed. Because of these delays, this process is going to end up costing me XXXX of dollars.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (NY)

Called American Express, tel. XXXX. Paying off this closed account. 
Over telephone chose payment of entire amount due. Paid what was quoted ontheir electronic payment center as amount due. Got billed again an interest chargeof {$5.00} even though the machine informed I was paying off the entire amount. Spoke with a representative named XXXX. He said I had to pay this, could not be waived. I told him I wanted to appeal, said I could not appeal. This is a recurring monthly interest charge that should not be charged. The account was closed. The entire amount was paid off, why is there a recurring interest charge being billed. This is fraud. Want a refund of my {$5.00} that I had to pay.
Consumer complaint received 2015-04-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

Loan was paid off in a mortgage refinance at the end of XXXX. The timing of the refi was such that I had to make an extra loan payment to avoid a 30 day late on my credit report. A few weeks later, I checked with the old lender ( Ocwen ) to ask when I might have this money refunded. They assured me that I would shortly receive both the overpayment ( approx. {$2800.00} ) and the amount remaining in the escrow account for taxes and insurance ( approx. {$500.00} ). I did receive the {$500.00}, but was told that they needed to hold onto the {$2800.00} 'in case there were any fees associated with the loan ', which made no sense as the loan had been paid off. I have called them repeatedly over the past two months, and continue to receive the same story, always that they are going to send it, but they just need to hold on to it 'in case there were any fees associated with the loan '. Additionally, when you call, you can tell they are just reading from a script, because if you ask any questions, they have literally no answer.
Consumer complaint received 2015-06-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I keep receiving phone calls from this company Portfolio Recovery Associates, asking for my daughter which she does not resides with since XX/XX/XXXX, my phone number is a new number and no one has this number, I called this company on XX/XX/XXXX and advised them not to call and delete my phone, they stated my phone number was removed. On XXXX XXXX this company called again and asked me for my daughter 's social security number I told her that it illegal to ask a third party for personal information. I am being harrass by this company it seems they do n't want to delete my number from their records.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Ocwen LN XXXX XXXX CA XXXX Short sale was started XXXX/XXXX/2016 with Ocwen. 

On XXXX/XXXX/16 we were told the file was complete. 

On XXXX we were told the investor countered to $ XXXX. 

On XXXX we submitted the Price Addendum to XXXX, HUD, Market Comparables and Contractor Bid for the Value Dispute. 

On XXXX we re-sent all the documents in and confirmed with the Ocwen rep that the documents we submitted for the value dispute had been forwarded to the value dispute team for review. 

On XXXX we were told the XXXX price would be accepted and the file had been sent in for approval. 

On XXXX Ocwen requested a change to the 2nd TD payoff only. They told us the offer was approved and they would send the updated HUD to the underwriting department on a rush for approval. The revised HUD was sent within 15 minutes via email. We called in ( one hour later ) and the rep confirmed receipt of the HUD, said it looked good and sent it in for rush approval. 

On XXXX Ocwen said the file was still under review and confirmed again that the file was marked complete. 

On XXXX We spoke to the Ombudsman department - " XXXX '', who could see the corrected HUD marked received on XXXX, but it showed that the file had not been touched since then, so he escalated directly with short sale management. 

On XXXX we received an email from XXXX XXXX at Ocwen that our offer was too low and we would need to meet their value of XXXX. In that email he referenced an outdated HUD. 

On XXXX, XXXX XXXX reiterated that we needed to meet the XXXX value and that the sale date would not be postponed. We then called the ombudsman 's office to find out why we have been lied to, and the ombudsman does not know. We requested that the sale date be postponed to allow time to negotiate a better offer from the buyer, however XXXX told us that there would be no postponement in the email dated XXXX. 

We are asking for a sale date postponement due to extreme delay in reviewing the offer because Ocwen 's Equator system was not working. This is not our buyer 's fault, and because we had been told several times that our offer of XXXX would likely be accepted, we had not prepared a backup offer.
Consumer complaint received 2023-04-13
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. (AL)

To whom may be concerned, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise not compliant with regulatory federal reporting laws or standards and MUST be removed immediately. The following fractions are as follows : Alleging Creditor and Account is reported as having a late payment on my credit report : XXXX XXXX XXXX Account Number : XXXX I am demanding that these accounts be updated to PAID as agreed and NEVER late.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (NJ)

This is my second attempt- I was denied as XXXX was the company in question, but my bank has completed their 90 + day review and denied my claim, stating that it was a valid charge. I'm here to say that it was fraud pure and simple. 
My original message from XX/XX/year> is below. The purchase was on my Ally Debit Card ending in XXXX. There were two names on the XXXX account in separate episodes, which is very suspicious. Please review this claim and let me know when completed. Thank You! 

XXXX XXXX Someone on a fan page on XXXX offered me " Meet and Greet '' passes for a show on XX/XX/year>. It was for a show that evening and would have been a real thrill. I was sucked into a Con Game. I was foolish in providing {$65.00} of my funds through the XXXX XXXX XXXX  option through XXXX. This was very wise because XXXX will not refund any dispute when sending money that way. : -/ I provided my email address to this person but all communication was through XXXX XXXX XXXX I do not know why I didn't see a " red flag '' but I was suckered in because it was too good to be true! Anyway since I was unable to get any assistance from XXXX I went to my bank and they have denied my claim because they stated that the transaction was authorized. This is not the case. I have no way of proving this was fraud, that is how good they were at ripping people off! As soon as they had the funds, they disappeared! When I tried to send a message to " XXXX XXXX '' who was the recipient on XXXX, I received a message saying I couldn't send a message to this person. The name on the transaction is " XXXX XXXX ''! This was fraud and I need my money back. What else can I do??
Consumer complaint received 2015-12-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NC)

I have been on the phone with Wells Fargo Bank several times but on XXXX occasions for over 2-1/2 hours each time trying to resolve an issue since XXXX XXXX ( that 's XXXX days ). I 've been transferred so many times with no one able to give me an answer to my issue. The worst call was when I was on the phone for XXXX minutes and transferred XXXX times ( I wrote all the names or the reps and the departments as I kept getting transferred ). 
The issue I 'm trying to get resolved is I made XXXX transfers from an account I have with another institution, originating the transfer from the Wells Fargo online banking Transfer option. I cancelled XXXX of those transfers which Wells Fargo confirmed cancellation of, but my other bank still sent the funds. I contacted that bank and they gave me provisional credit until the funds went back into my account with them. Wells Fargo can not find the funds. They have no tracking number ( or so they tell us ) for the funds they returned when the transaction was cancelled. So, neither bank has the funds. A representative from my other bank was kind enough to do a XXXX way call with Wells Fargo, which lasted XXXX min with no resolution. Wells Fargo 's ACH department is only internal so we could not speak to a representative directly but were told that there was nothing they could do or provide so that my bank can trace where the funds went. I 'm out {$300.00} with Wells Fargo and my account with them is overdrawn because of this, causing a much needed prescription that I have on autopay to be declined. No apology from Wells Fargo was received even when they assured me that any transaction that was pending would be honored. 
I 've been talked down to, insulted, yelled at and talked over when I 've tried to explain the situation to the various representatives I was transferred to. Before each call, they state " This call may be recorded '', I sure hope the calls were recorded so that at some point they can be played back! I was made to feel like a XXXX and when I told them I had paperwork I could email or fax to them from my other bank to help with the investigation, I was told that their email was only internal and there was no fax number they could provide me. 
My level of frustration has reached it 's limit with Wells Fargo, and so I 'm filing this complaint.