davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I am writing in regards to the collection with Portfolio Recovery. They are trying to collect {$940.00} for XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I spoke to them on XX/XX/22 and I requested an itemized bill. Also, XXXX XXXX went out of business about 3 years ago. I spoke to a XXXX XXXX who said she would send verification. To this date, XX/XX/22, I have not received verification from them. I also called them again 2 weeks ago to request the verification. The representative argued with me and still has not sent proof that I owe this bill. I tried to dispute the item with XXXX and it came back saying that the case that the dispute investigation was done. I know I do not owe this bill. The collection agency has failed to provide me with proof. I want this to be removed from my credit record.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX and XX/XX/XXXX I Had 10 fraudulent charges on my account totaling over XXXX dollars. I filed a claim and 9 days later I received a credit. However Wells Fargo knowing my Debit Card was being used by someone other then myself never canceled or changed card numbers. Now my card has been used again without my permission for an online gambling site. I believe these fraudulent episodes in the month of XX/XX/XXXX were related and could have been completely avoided if Wells Fargo would have canceled my debit card number after the first fraudulent dispute I filed on XX/XX/XXXX I believe. I now have to go through this entire process again because I feel Wells Fargo did not handle this correctly and help prevent this. On XX/XX/XXXX I filed the second dispute totaling over XXXX. On XX/XX/XXXX I received an email saying my dispute was not approved. First thing it said was the reason why they never canceled my card from the previous dispute was because it wasnt a fraud dispute. However this is absolutely not true. If you listen to the phone conversation I had when I made the claim I clearly stated I received an email saying there was 20 % bonus credits being offered. So I decided to try it out. The screen said there was an error please try again, so I did maybe 3 times total. Next thing I know these charges were actually going through and someone other then myself continued to make charges again and again I believe there was over 10. In the conversation I also stated I am starting to believe the original email I received might have been fraudulent and I fear I possibly was being scammed. The letter also stated that another reason was the account balance was checked several times before the claim was submitted. This is true. However I was told charges that were still pending could fall off therefore they need to be no longer pending. As soon as the charges were no longer in pending status I filled the dispute. This was the same day they were no longer pending. Next reason they stated was I used this service prior. This is true hence the reason two charges I did authorize were not included. The debit card should have been canceled after the first dispute and this would not have happen for the second time. I assure you if you listen to the conversation I had when I filed the claim on XX/XX/XXXX you will understand what I mean. when I state my card should have been reissued. Thank you
Consumer complaint received 2024-11-09
Product: Credit reporting 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)

XXXX XXXXXXXX is reporting information to XXXX, Transunion and XXXX that is not associated with my account. These fraudulent balances on my credit report has resulted in past due statuses inhibting my ability to access credit I am a victim of identity theft, and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written consent. This is misuse of my information and I am also requesting that original contract is provided.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I refinanced my home in XXXX and the new mortgage closed in the beginning of XX/XX/2020. In order to close my new loan, I had to deposit almost {$17000.00} into my escrow account to pay the costs. The money was to be returned to me once my new loan was funded. The money should have been sent to me in check form. Dovenmuehle Mortgage send the original check to the incorrect address. As a result, I had to wait a month before the company would issue a new check. On XX/XX/2020, I called Dovenmuehle Mortgage and the representative said that the new check was begin processed. I waited. I called again. I waited. I called again. Finally, on XX/XX/XXXX, the supervisor XXXX told me that the check would be two-day aired to me. On Thursday, XX/XX/2020, no check. I called again on XX/XX/2020 and spoke to XXXX. She said the funds were not available and she would track everything down and call me back. No call. Today, I spoke to XXXX, who said that there was no movement on my check. She said she would transfer my call to XXXX. The call was dropped. Dovenmuehle Mortgage has violated its protocol by not getting the money to me. When I asked for the money to be wired, no response. At this point, I have spent over 10 hours trying to get a resolution. Dovenmuehle Mortgage does not make its managers available to customers so there isn't any way for me contact a person with power. I need your help as I need my refunded ASAP!
Consumer complaint received 2020-07-08
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 sent A cfpb complaint to experian on XX/XX/2020 by XX/XX/2020 they had already brushed it off and decided not to look into it. they said they didnt beleive I was the one who requested info. 

now so they cant say that I will be submitted my driver license social security card bank statement identity theft report I am not eligible to rent an apt because of the damage this incorrect reporting is causing.
Consumer complaint received 2020-11-24
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: Exeter Finance, LLC. (NY)

Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX  so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'VE JUST SPENT A WHOLE HOUR ON THE PHONE WITH TRANSUNION TELLING ME THAT THEY NEVER RECEIVED MY PAPERWORK REGARDING A XXXX  REPORTING ON MY CREDIT FILE. I WAS THEN TOLD TO UPLOAD THE DOCUMENTS WHICH COME TO FIND OUT, MY ONLINE ACCOUNT THAT THEY TOLD ME TO USE DOESN'T ALLOW ME TO UPLOAD AT THIS TIME. I'M BEYOND UPSET DEALING WITH THIS ISSUE FOR OVER A YEAR.
Consumer complaint received 2020-11-24
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. (OH)

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXXXXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-09-11
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2023-04-08
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. (TX)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I am trying to unfreeze my Equifax Credit Report so I can get my mortgage refinanced. I tried all the avenues provided by Equifax - by automated phone and by website. When I used the automated phone line, I get to the very end and I get a message saying no person can assist me but there is no clear explanation why. When I tried the website, I get the same response. After 6 unsuccessful tries on the phone and 6 unsuccessful attempts on the website, I found a phone number where I was able to talk to a human. However, each time I called and explained my predicament, and after explaining that I have already tried the website and automated phone options, I still get sent to the automated phone option and none of the live customer service people can offer an alternative. I had 4 live person treat me the same way and the last one hung up before I could finish what I was saying. I had no difficulty in unfreezing my XXXX  and XXXX  accounts on the first try. Please call me at XXXX XXXX XXXX XXXX if you have any questions.
Consumer complaint received 2020-07-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GSF MORTGAGE CORP (TX)

I requested a construction and mortgage loan. 
They claimed they offered this insisted I provide them with income before I applied. They refused to offer product and service until I submit a loan application. They treated me different unlike somebody with an American name. They ignored my concerns. I attempted to move forward with loan process. I have excellent credit in which I knew and income is enough to get the loan I requested. I have XXXX score and inspite of my credit history started demanding I provide them with award letter from military in which I did and then insisted they insisted on additional proof of military status in spite it was all on the award letter from military. Finally they begin to come up with a reason for not doing business after providing all what they requested. There was no cause since I was reapproved with them two years ago. I requested where was my information since I was still working with staff during this period. I feel that my rights was violated involvong lending practicing. I feel that based on my name and religion they treated me unfair. I feel based on my race they failed to treat me fair and just. I have excellent credit and no reason was given other then they refused to complete the loan process and gather all my information. I requested product and they refused to provide information and demanded I need to file application before they disclose their product and services. Inspite of the information was submitted they continued to refused to disclose products. When I begin to inquire about this they started challenging about bringing this to their attention. I was mistreated hostile thru out the process with no cause since there was no credit challenge no income concerns and I my they have all my credit information.
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

XX/XX/XXXX received a letter from Wells Fargo stating our 10 yr interest only loan would now turn into a 20yr Arm Loan. at that time we were paying about {$840.00} a month for interest only. The new payment was going to be {$3500.00}. 
We asked them if we could refinance for 30 yrs and they refused. they did not take any kind of application to help with their decision they just said it was not an option. 
We applied for a Loan Modification asking to reduce the principle amount on the home as it was under water because of the fall out at that time and they refused and came back with a large unaffordable payment. 
XX/XX/XXXX we received a Grace Period Notice. They wanted {$7100.00} by XXXX XXXX We went to the Lawyer for Help The Lawyer tried to file a loan modification as well and they refused to even review it. 
XX/XX/XXXX We were advised that they turned our account over to the Lawyers to begin foreclosure proceedings. 
XX/XX/XXXX we received another notice that the new payment was going to be {$3600.00} starting XX/XX/XXXX a few weeks before our home was auctioned off in XX/XX/XXXX they sent us a modification that we originally asked for and by then it was too late for us to accept it. 
They sold our home for {$80000.00} less then what they told us the market value was for us to modify. 
So instead of letting us keep the house they decided to auction it off to someone else and we lost all our investment we had in our home.
Consumer complaint received 2022-09-20
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: EQUIFAX, INC. (MI)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2022-09-20
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. (FL)

I need to remove my fraud alert from my credit report and update my cell phone number with your company I have already send letters but I didn't have any response I know that you need to verify my identity so I have attached a copy of my current driver 's license and a copy of my Social Security card as proof of my identity, also in the attached documents there is a picture with my current phone number Please remove the fraud alert and update my phone number with your company
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OH)

I recently tried to receive my credit reports from annual credit reports.com and on multiple occasions i was denied by XXXX XXXX and Experian. I tried again XXXX and i continue to be denied access to my credit reports.
Consumer complaint received 2024-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

XX/XX/year> I attempted to get a chimney cleaning, The co. at the time, XXXX, aka XXXX XXXX, XXXX. with an owner XXXX XXXX, under duress, had me sign for this task which was never performed, I have a bill from another chimney cleaning co. which verifies this. The next day my name was forged on another purchase that I did not authorize which was a so-called chimney liner for the amount of {$2500.00}. A police report was made and the credit card company Citibank was contacted to not authorize this charge. I never heard back from the credit card company until almost two months later XX/XX/XXXX and noted that false documentation had been provided to them by this XXXX and therefore they reversed the charges. I had attempted to contact City card about this dispute as I had not heard anything in 8 weeks time. Their customer service was difficult to reach, rude and I was told that my dispute had been dismissed because the timeline had run out for them to reassess my concerns. Wrong! Had they followed their own timeline and noted that they had been provided false documents that were forged this error would not have occurred. I am reopening this complaint as it was never resolved in a fair fashion and I also have been contacted by another person on XXXX that had been deceived as well. Citi-bank should follow their own rules and regulations regarding signing under duress, unauthorized use of my credit card, and forged signatures, as well as adhering to their own stated timeline on dispute issues. I have been made to pay for Cit-cards inadequacies! Not consumer friendly I might add!!!