davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX BANK XXXX
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I apologize for the inconvenience Ive been facing with Equifax. Ive contacted their customer service more than 20 times and provided your ID, SSN, last paystub copy, and a written explanation via mail as requested. Despite sending the mail twice through both normal and express delivery, they claim not to have received it whenever you inquire. However, I verified the address and checked the tracking number, which showed that the mail was delivered. Today, when I called again, they asked me to send it once more. Ive been dealing with this problem for almost two months without finding a solution. Some of the representatives, including one named XXXX, were unhelpful and hung up on you. The supervisor couldnt provide assistance either and also asked you to send it again. This Equifax problem is causing significant loss of time and money, and its the only obstacle preventing me from refinancing my home.Please help me. Regards.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and immediately update or correct them from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX and XXXX XXXX from 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 2023-07-22
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. (FL)

In accordance with the the Fair Credit Reporting Act XXXX XXXX account # 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. also states a consumer reporting agency can not furnish a account withought my written instructions.
Consumer complaint received 2023-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MO)

Convergent Outsourcing is reporting a collection account on my credit reports that I am not familiar with. I have tried to reach out to them via mail to see where this account came from and all documents associated with this account and was ignore. I have never received any documents from them or any type of communication regarding this account. Here is the tracking to prove they received my dispute, XXXX XXXX XXXX XXXX XXXX. I took it upon myself to look up some of the credit laws and saw that it is illegal to ignore a consumers request to dispute an account on their reports. I am demanding that this account is deleted as they are a consumer reporting agency but are violating the consumers laws.
Consumer complaint received 2023-01-26
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. (CA)

late payment IN XX/XX/2022 that XXXX  XXXX XXXX  account # XXXX This is my second time reaching out about this incorrect late payment that is clearly unfair!!!!! This late payment dropped my credit score XXXX points, now my home loan is on a hold due to this false inaccurate reporting. I have always made onetime payments. I have never been late! This is completely unfair. I never imagined this can happen to anyone. This is not just inexcusable but totally unjustifiable. I demand it be updated to PAYED AS AGREED AND NEVER LATE! 

TRANSUNION INTERMEDIATE HOLDINGS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (AZ)

XXXX I purchased a dishwasher from Best Buy on XXXX. It was to be delivered XXXX but because of a miscommunication with a third party delivery service it was finally delivered on XXXX, badly dented. I refused it and cancelled the purchase and credit card with Best Buy onXXXX 
The purchase was made by opening a no interest card issued by Citi card. Since I had already been billed, I contacted best buy to make sure the purchase and card were cancelled. A fellow named XXXX with the XXXX XXXX assured me that everything was closed. Then I started receiving phone calls from Citi card requesting payment, and that I as accruing late payments on a {$200.00} debt. 
When I contacted Best buy to figure out if a had this debt I was referred to Citi card, and was told that they couldn't find my account and to contact Best buy. A lady named XXXX ( XXXX XXXX  member ) finally figured out by listening that I was being scammed and didn't owe anything and the account was closed. 
The scammer calls and asks the same questions that Best buy customer service members ask, except that they push to get the first four digits of your credit card, not the last four. The accent of calls are foreign sounding and callers are male and female.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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. I need the following items to be updated or corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

upon reviewing my credit report and being notified that my information is on the black web and part of a data breach I noticed wrong names and addresses and accounts that do not belong to me I have notified my local police dept. XXXX XXXX  {$5900.00} XXXXXXXX XXXX XXXX {$920.00} XXXX, XXXX XXXX XXXX, Hard Inquiries include XXXX XXXX XXXX XXXX  XXXX addresses include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with wrong names XXXX XXXX XXXX XXXX XXXX XXXX these items and accounts do not belong to me and i would like them deleted and removed from my credit report as soon as possible they are causing me great hardship i have also made a FTC report also These addresses do not belong to me and a none deliverable this is repoorting on my Experion report and i have contavted them serveral times
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I only had one account with XXXX  XXXX which is already being settled. All I can think is my ex wife opening in my name during our predivorce separation. These have already been removed from XXXXXXXX XXXX  reports from a dispute around a year ago. One of the two has also been removed from my XXXX XXXX report.
Consumer complaint received 2023-07-22
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. (MI)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have tried to resolve and dispute this issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX various credit reporting agencies dispute systems ; however, they have ignored my statements and kept me in collections ; while having me incur interest on a debt that is not mine. 

They are collecting for a company called " XXXX XXXX  '' which I have never heard of - much less signed any contracts with. 
I have had my identity stolen at some point since I moved to Michigan - as false wages have been reported in various states - I have already reported this to the FTC as well as the FBI and various law enforcement agencies in the in the states in question. I am not sure ; however, if this account has anything to do with identity theft Regardless of the reason- I have never heard of or consented to do any sort of business with XXXX Bank or any of their affiliates ; nor was I informed of any debt to this bank in writing at any time before or after it was transferred to XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Once again ; I have never incured debt with XXXX XXXX XXXXXXXX XXXX XXXX I have disputed this successfully with both XXXX and XXXX ; XXXX, for some reason they are still on my Trans Union report XXXX I have no clue why they would bill me for XXXX separate instances XXXX years apart. 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was medical services rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXX XXXX XXXX XXXX  XXXX XXXX  on XX/XX/2018 it would make it WELL beyond statute for both unsecured open ended debt of 4 years and be very close to the end of Statute for written and secured closed end debt contracts in the state of Nevada.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

Hi, The United Wholesale Mortgage escrow ( UWM ) calculated the wrong property tax amount. They collected double what they should collect, which led to my mortgage payment increased more than a XXXX a month. On the hand, I found out UWM didn't pay my property tax because XXXX XXXX tax collector sent me a bill with a penalty. I had to pay using my own money, which led to short money in the bank. I contacted UWM and told them I had just paid the XXXX XXXX dollars in property tax and didn't have enough money to payment+increased escrow, and I asked them to use escrow money to pay my mortgage payment ( extra XXXX XXXX in escrow ) ; they denied it and charged a late fee, and report delinquency to the bureau. 

XXXX XXXX : {$9300.00} UMW XXXX XXXX : {$15000.00} I don't trust UWM escrow anymore, and I asked UWM to terminate the escrow. They also denied it again due to a delinquency event which caused by UWM. 

Thanks to UWM, I had to pay the late fee, and it ruined my credit.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (IL)

Had over XXXX taken out of my account sent to XXXX when my ameren acct said no payment due. This caused an overdraft of my account in excess of {$400.00} I asked wells to do a stop payment. Instead they did a fraud activity report which caused more problems to where my account again was overdrawn overdraft fees applied and account closed
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

We received a text message and phone call from the number : XXXX stating they were " Chase Bank : Fraud Department '' and there was fraudulent activity on our Chase joint account. My husband was skeptical but they were able to identify themselves as Chase bank in numerous ways. They used an editing system of some kind on the back end, pretending to close our joint account and open a " new '' account under my husbands name, but it was really XXXX XXXX 's account from XXXX scamming us to transfer {$7500.00} from our Chase account to his XXXX XXXX account. Chase bank was completely useless in helping us get our money back and very bad a communication. We feel violated and someone now has {$7500.00} of our hard earned money. We worked with our local Chase bank branch and called the Fraud department daily. We sent secure messages to the wire transfer team because that is the only way we can communicate with them and they never responded to our original messages about retracting the wire transfer immediately. They NEVER responded. We finally got them to respond 3 weeks later by myself ( wife on joint account ) sending a secure message and they said they can not send an LOI to XXXX XXXX to retract the funds since we initiated the wire transfer. IT WAS A FRAUD SITUATION and they still will not cooperate and barely communicate with us. We have nine accounts with Chase bank, including our mortgage and we do not feel safe with having our money with them any longer. We hope you can help us or catch him!
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist stated that XXXX sent in my XXXX payment but they can not process it until the state releases the funds. No one has ever heard of this so I need to know whats the hold and why is the state holding the funds! XXXX has also not sent XXXX payments to XXXX XXXX XXXX for my internet payments. I have to call them every single month and Im getting no where. Its so frustrating!
Consumer complaint received 2023-01-31
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. (MA)

Dear CFPB ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have been on the phone relentlessly over the last year with your customer service representatives in regard to unfair, and fraudulent account reporting on my personal credit report. Your representatives mentioned due to a lack of staff that they are working on fixing and permanently removing this from my credit report. It's now been over 4-6 months this negative entry continues to report on my credit report and it's causing me to get denied of credit in multiple locations. Not only this account is fraudulent, but it continues to report on my credit report with multiple inaccuracies, incomplete information, and inconsistencies with Dates of last active, dates of last reported, dates of 1st delinquencies, etc. It's my understanding from reading online that under the provisions of consumer law FCRA, once an account is reporting in charge-off status, it can not continue to report late or past due or c/o status. Plus why it only start reporting 120 days 3x times? What happened to 30/60/90++++ days late? this is fraudulent and inaccurate and in violation of my consumer law and breach of my privacy. It's also unverifiable.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

It is insane that I have to file this Complaint, but Wells Fargo 's complete and total disrespect for me, CFPB and the other entities that regulate WF makes this Complaint appropriate. I will not reiterate the underlying problem that was the subject of Complaint XXXX In short, in WF 's response to that Complaint, WF represented that it would pay me {$25.00} for its erroneous handling of escrow repayments. WF never made any payment to me. As a result, I filed Complaint XXXX, WF again responded it would pay me {$25.00}. WF has never made any payment. 
The {$25.00} is trivial. However, when looking back at the history of my Complaints, WF 's failure to pay shows its reckless or intentional conduct in setting up policies and procedures to delay payments owed to customers. Unless this conduct is investigated or WF faces meaningful consequences, WF will continue to treat its customers in this fashion. I request that WF be required to make the payment to me and that the proper entity investigate this conduct. 
I have never before filed a complaint about the conduct of a business.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

A loan was originated on XX/XX/2022 by XXXX XXXX XXXX XXXX ( Hereinafter XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. A week later I was contacted by Specialized Loan Servicing ( Hereinafter SLS ) and they ask for my consent to contact me an I DID NOT give consent for SLS to contact me. I delivered payment directly to XXXX XXXX. XXXX XXXX notified me they received payment and stated they wired the payments to SLS. SLS stated that I sent payment to the OLD LENDER. A Notice of Errors was sent to XXXX XXXX of SLS and received on XX/XX/2022, XX/XX/2022, and XX/XX/2022. SLS failed to properly respond. A request for the FULL ACCOUNTING was sent on XX/XX/2022, SLS and successors and assigns have failed to provide the FULL ACCOUNTING. On XX/XX/2022 SLS sent correspondence stating XXXX XXXX was the original creditor and that XXXX XXXX XXXX I Trust was now the current Creditor. I mailed payment to XXXX XXXX XXXX to the address SLS provided and it was returned to sender. I do not have a contract with SLS and they continue to harass me with phone calls and posted cards on my door. XXXX XXXX has mailed a XXXX XXXX form that didn't apply the payments that they received? Who is the actual XXXX and where did the payments go?