davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I was unknowingly redirected while attempting to get a quote for car insurance on the USAA website. Redirected to a fraudulent scammer who now has some of my personal information and my voice, because they immediately called me, the first I declined and before I could put my phone down they called again, and I said, " It looks like this is a fraudulent website, not USAA, do not call me again, put me on your 'Do Not Call ' list. '' But I wanted to report them! The phone numbers were made to look like they were coming from where I live, using my area code. The numbers the called me from are as follows : XXXX XXXX XXXX XXXX. ( XXXX ) XXXX. This happened XX/XX/2020 XXXX They are harassing me, after I told them to put me on their do not all list, but I guess scammers don't HAVE those, huh.
Consumer complaint received 2023-01-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Update XX/XX/XXXX : Me and my family were wrongfully foreclosed on and wrongfully evicted. Wells Fargo did not resolve my complaint or issue, which they stated they did back on XXXX. I still have documentation to prove my case. 
I made several payments to my Wells Fargo Home Mortgage account via XXXX Ca Branches, back in XXXX and XXXX that they did not apply my funds to the account. On my statement it states, UNAPPLIED FUNDS. In XX/XX/XXXX Wells Fargo changed my loan number without my consent. They've been threatening me and my property of default foreclosure and now eviction. Earlier this year they were trying to sell my property in a Public Auction which stated that I initiated the auction. Prior to that I attempted to bring my loan current with the amount they are saying I owe, by going to all three XXXX Ca Wells Fargo Bank branches and make payment. All 3 WFB refused my payment stating the loan number account does not exist. The Bank manager stated I should've been out of my house since XXXX. He pulled up my account somehow and it stated that I only have paid {$1000.00}. When I purchased my home in XXXX I made over 20 % down payment. How can this be? Now currently XX/XX/XXXX the XXXX XXXX XXXX are coming to my home and Evicting me. I hope we can resolve this because I have documentation to prove my case.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I sold my house and paid off my mortgage of XX/XX/2021. On XX/XX/XXXX Lakeview Loan Servicing LLC sent a letter to my new address advising that the balance of my escrow account would be sent to me in 10 to 15 business days. On or about XX/XX/XXXX I received a letter forwarded from my old address stating they had issued my check for the balance on XX/XX/XXXX. I called and was informed the check was sent to my old address, even though they had my new address, as reflected in the letter of XX/XX/XXXX. I immediately called and they promised they would stop payment on that check and issue a new one to the correct address in 3 to 5 days. I called again 2 weeks later and was told the new check hadn't been issued yet but they would request it again and it would be sent in 5 days. On or about XX/XX/XXXX I called again and was informed the check was issued on XX/XX/XXXX. I called again today to tell them I haven't received the check. I was then told that the check would take 10 to 15 business days to get to me and there was nothing else they could do. It is my understanding they had 15 business days from XX/XX/XXXX to issue my escrow refund. They did not do this and don't care. Is there a penalty for missing that deadline? Even if they issued the check timely to the wrong address, it would have been forwarded to my by now. I believe they are intentionally dragging this out.
Consumer complaint received 2021-08-12
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. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-11-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dated Fri, XX/XX/2020 addressed upon complaining with XXXX and XXXX stamp if relaying XXXX XXXX XXXX florida XXXX Attn : Fair Credit Reporting I am being unfairly denied credit and see an in accurate piece of information. 

My name is XXXX XXXX XXXX and I am asking for a reason the credit has been denied during a application I personally made in the last 72 hours with XXXX XXXX and XXXX XXXX XXXX 

I have a score that's is XXXX or above yet XXXX reports the score at the number ( s ) XXXX. 

My score is XXXX with TransUnion XXXX XXXX respective using the XXXXXXXX XXXX XXXX which is very well established and reputable. In fact, my credit is updated everyday and everything looks outdated and inaccurate with the XXXX denial XXXX ongoing hard even too recognize if understand problem. 

Why is an old in accurate record preventing myself from getting fair and accurate credit reported. A copy of this letter will be sent wearily if further access is not being provided to the board of credit to foil the old dusty gathering of information. 

I can tell you I have zero disputes, no frozen transactions, I've made over 60 months of payment ( s ), I am current and in more than satisfactory perspective upon typing XXXX XXXX XXXX purchase, and I have zero credit blemishes. 

There is no true reason for the denial. At a bare minimum we can see from the described letter campaign beginning that the information was misjudged by TransUnion and XXXX XXXX is grabbing old information ( I don't think this is a problem solution matter it's illegal and someone is foiling me when more robust accessible and bright information certainly has our perspective ). 

I think it's important that a bias does not have the beginnings of certain I'll will with TransUnion. 

I have a XXXX score and that's Fair Credit not poor and is significantly higher than the inaccuracy unjustly reported if ever represented ( resources showing all this are included with photos from the 3rd week of XXXX is week LAST and JUST quite recent ). 

I am not illegal or soliciting anything but there is a problems which is zero respect for me from TransUnion and I deserve to have a moderate amount of credit. 

Thus far as you know, I am asking for justifications and logic because I deserve fair and accurate credit reporting, as we can always expect. 

Please help. I need as little as less than {$500.00} from XXXX and will sure is take what I can get. 

If a lawsuit may commence for discriminatory practices please let me know where to begin. 

THANKS for continuing the conversation, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA XXXX cC : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-07-30
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. (TX)

When I looked for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was gathered by an aggregation website, which instructed me to first check the website 's FAQ section and then contact around nine separate websites to have it deleted. I felt ashamed by the fact that I had to seek the removal of my possessions. I discovered unauthorized, fraudulent accounts on my credit record ; I would like these accounts erased and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to secure credit. I am taking all measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything further I can do to have these accounts removed from my report.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  incorrectly reported a 30 day late payment on my credit card. I went to a XXXX  branch and the bank manager opened an investigation. I then received a letter from XXXX that the information was reported in error and they would update the information with XXXX, XXXX and Transunion. They never did.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

Contacted them 9 different times on in the last 5 months MUTIPLE times. 
Late fees are keep being applied to my account. The merchandise I ordered was never sent to me. I keep getting applied interest to the account. I got a police report on file and a detective trying to investigate. But American Express does not care about my problem and just wants my money. There is multiple cameras outside my residence that proves my statement of me not RECEIVING anything. But they call me a liar which is very unlawful and illegal. I dont have a say because XXXX XXXX XXXX? Im not a criminal or ever been one. 
I keep trying to reach out to the American Express customer service and they just put me on hold for long periods of time and transfer me to another employee where I have to keep repeating myself about the problem. I beg you please help me. This is illegal FRAUD. American Express is doing against me. Im a XXXX  XXXX  that is being cheated out of his rights. What do I need to do?? I have filed a dispute but they keep denying me and being very disrespectful to me. I have multiple LEGAL RECORDINGS OF THE EMPLOYEES SAYING THEY DISPUTE THE CHARGE BUT I KEEP GETTING CHARGED LATE FEES AND INTEREST FEES. How come this company doesnt help me??? Please Im desperate for help!!!!
Consumer complaint received 2024-09-05
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. (FL)

I am writing to formally dispute two charge-off accounts listed on my credit report with XXXX XXXX XXXX Below are the details of the accounts in question : XXXX XXXX I have reviewed my credit report and noticed that these accounts are listed as charge-offs. I believe that these entries are inaccurate.
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (PA)

My Chase credit card account was closed in XXXX. I have been struggling financially more than even from COVID 19. I have lost over {$30000.00} a year in income. I have been completely overwhelmed. My Chase account has now been closed. 
I called to see how we can reopen it, and get a plan going moving forward. 
Chase will do nothing to reopen my account. I need it open so I can start rebuilding my credit and paying off my debt.
Consumer complaint received 2022-06-22
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. (PA)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above-listed alleged debt. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt and Child is mine! In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days. 
I have not given anyone written permission to put anything on my consumer report. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They have no permissible purpose by law to contact third parties with my private or personal information. 15 USC 1681 a 4 speaks on a consumer right to privacy. 15 USC 1692 speaks further on a consumer right to individual Privacy. 
The Privacy Act They have violated my rights to Privacy under FCRA 15 USC 1681 and the FDCPA 15 USC 1692.
Consumer complaint received 2022-06-22
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, and 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 an account without my written instructions.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2021-03-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

At approximately XXXX CST, on Monday XX/XX/2021, I received a notification from the XX/XX/XXXXXXXX XXXX app on my XXXX. The notification stated that a hard inquiry was provided to Bank of America. I have not authorized any inquiry, nor have I applied for any new credit cards or loans, nor have I requested a credit increase from Bank of America. I have have not applied for any credit cards or loans backed by Bank of America that may be presented as a branded card ( for example a department store card, or a rent-to-own loan ). 

I immediately followed the steps outlined on myXX/XX/XXXX account dashboard and found that disputing an inquiry must be done over the phone, withXX/XX/XXXX The fruitless call that followed ended with the XX/XX/XXXX dispute center representative stating that no credit pull would be authorized without some type of certification showing that the pull is authorized, therefore, Bank of America must have had authorization and if I have issue with the inquiry on my report, I should contact Bank of America and request an investigation. 

I should also mention that I have not had an account with Bank of America in nearly 20 years. Their help line requested an account number and transferred me multiple times until I finally reached the " Fraud and Security '' department ( this was after several attempts and being disconnected while on hold ). When I reached a human being, they tried to look for any documentation of an application using my personal information, such as my social security number, and found nothing. I was advised to contact XX/XX/XXXXonce again, and when I did, was given the same direction as the first person from their dispute department. 

My second successful call to Bank of America yielded similar results. Because I have no account with Bank of America, there is evidently nowhere to look for an application. I requested to speak with someone from their fraud department. I was told the same again- because I have no account, there is nothing they can do. They did confirm that they could not find any sort of application or request for my credit report. The representative from Bank of America then denied that any inquiry was actually made, and suggested that XX/XX/XXXX was providing inaccurate information. My credit score did decrease immediately following the notification, so to me, it seems to be very real. 

Growing increasingly concerned that my identity had somehow been stolen, and perplexed at how XX/XX/XXXX could insist that Bank of America had received a " hard inquiry '' of my credit report, I'm now left to wonder who can provide me with assistance. I feel that XX/XX/XXXX specifically has failed to protect me, and that Bank of America has failed to exercise due diligence in ensuring there are no fraudulent attempts to steal a person 's identity.
Consumer complaint received 2020-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GLOBAL SOLUTION BIZ LLC. (NC)

On XX/XX/2022, we were contacted by a collection agency that we had a debt settlement with. We had been paying this agency to allege settle the debt they claimed we owed sense XXXX of XXXX. We did not us wisdom and should have asked for proof of the debt. The agent over the phone pretended to be the original creditor. We should have requested proof of the debt. Today we did some research after a few shady phone calls from this collection agency. Apparently, we did not owe the amount after paying {$1000.00}. They had settle for {$1900.00} stating that we owed {$5000.00}. What can I say, we got scammed. Thank goodness for our XXXX  XXXX who stopped them from scamming us. They tried to charge us for a return payment and the account of the returned payment didn't belong to us. They continue to call, text and hoarse us for payment with no proof. They want send us any proof of the debt! We just found out today that they are a collection agency and this could be anyone 's debt. The document that I am attaching is fraud and the card number on the document is not our bank card number. If they didn't charge our card ( thank goodness ), whose card did they charge?