davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (TX)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2017-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TCF NATIONAL BANK (IL)

I applied for and opened a free checking account with TCF bank on XXXX/XXXX/XXXX, as I was browsing for a new bank and thought to give them a try. I funded my account with a {$500.00} transfer from my existing XXXX checking account on XXXX/XXXX/XXXX. A member of XXXX 's loss prevention team called TCF to verify my account with TCF was in fact controlled by me when I initiated the transfer, and then TCF inexplicably closed my account the same day ( see attached ). 

I contacted their customer care account on twitter, @ TCFCares, and spoke to a man named XXXX. He gave me his phone number as well XXXX XXXX XXXX XXXX ext XXXX ), and we spoke. He explained that XXXX needed to call TCF again to verify my account was not fraudulent, and so I called the XXXX, IL XXXX branch. 

I spoke to XXXX XXXX, who is a XXXX XXXX at that location, and she called TCF and explained that yes, my account is legitimate and that the transfer for {$500.00} was in fact initiated by me. I verified my identity with her by going into the branch with my identity documents ( photo ID and a Chase credit card of mine ), and also verified the account at TCF was mine by bringing in the documents I 'd received from TCF in the mail. 

After this, TCF insisted that I had to actually come into a branch with my identity documents to verify who I was with them. I tried to explain that I live XXXX miles away from the closest branch in XXXX, IL, but XXXX said there was no other way. So, I drove to the branch with my identity documents ( SSN card, photo ID, recent utility bill ) and the XXXX ( XXXX, business card attached XXXX told me that she had submitted my paperwork to the 'back office ' but that I would have to wait XXXX business days for a response. I was logging in to the TCF online banking website every day thinking I 'd get a message there or just see that my account was now 'Open ', but I never heard anything. 

By the XXXX business day, I contacted XXXX again and explained that I had n't received an update. He contacted the management at the XXXX location I 'd visited XXXX branch XXXX XXXX XXXX, business card attached ) and then told me that they said because my account was still closed, there was nothing they could do and that I would have to come into the branch again in order to withdraw my funds. I again drove XXXX miles each way to make my withdrawal and close the account, and XXXX informed me that my account was listed under 'Hot file ', which indicated it was still considered fraudulent. 

XXXX verified with XXXX XXXX that XXXX had contacted him earlier in the day about my situation and that I should be allowed to withdraw my funds with my photo ID and just XXXX of the documents I 'd received from TCF, provided me my funds, and closed my account permanently.
Consumer complaint received 2016-12-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

I received a letter from Wells Fargo stating that my mortgage acct would be unavailable from XXXX XXXX due to them changing, not closing, my loan number due to new system and increased security. I paid my mortgage as I usually do when it became available again on XXXX XXXX, 2016. A few days later, I was looking at my credit report and noticed that my credit score had dropped. When looking into this, Wells Fargo had reported negative information to XXXX as my mortgage had closed or been transferred/sold. This is now listed as a " closed '' account and also a negative report on XXXX. I contacted Wells Fargo and explained this to them and they asked me to fax them the proof of the negativity, and I did. A few days later I was contacted by them and told they never received it, but I ensured them that I had the fax report that showed they received it. They explained it was the wrong number, even tho it was sent to the number they gave me. They now want me to resubmit to another number and then they will look into it. When contacting them I feel as if I am given the run around and nothing is being resolved. They continue to come up with obstacles to get this " resolved ''. It shows that I have two mortgages with Wells Fargo, one closed on XXXX/XXXX/2016 and one open, and I do not now, and have never had 2 mortgage accounts with Wells Fargo. Please help me get this removed from my credit.
Consumer complaint received 2017-05-01
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: Southern Credit Recovery, Inc. (LA)

In  XXXX  and  XXXX   of 2017, I  fully paid  XXXX  charged off accounts with  Southern Credit Recovery  Inc in Louisiana months ago. The company has not removed these accounts from my credit report. I called to speak with th e manager twi ce and left messages but no return call.
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (FL)

Someone stole my identity. They have my social security, date of birth, address, etc. are trying to open credit cards under my name via the Internet. Not in person. Believe it was an internal employee from XXXX for that I do not make purchases on the Internet or give my personal information to anyone.
Consumer complaint received 2016-12-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Williams & Fudge, Inc (TX)

The university in which I was attending ( University of XXXX - XXXX XXXX ) has forwarded my account to which validation has not taken place to a debt collection agency ; Williams & Fudge , Inc . This agency has added frivolous fees and commissions to the balance of the alleged debt in amounts which are unclear and deceptive. Agents for this collection agency have not been forthcoming in explaining this debt to me nor have they provided a break down of what they allege I owe their client. Further this agency has deployed the use of an autodialer making numerous unauthorized calls to a mobile telephone in violation of TCPA. This agency has attempted debt collection actions against me at my place of employment placing my career and livelihood in jeopardy, they have done so after repeated requests to cease and desist. 

WILLIAMS & FUDGE , INC . 
XXXX, SC XXXX
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I had XXXX ( XXXX ) checking accounts at Wells Fargo. I banked with them for probably 20 years. On XXXX/XXXX/16, I received an email from Wells Fargo notifying me that one of my accounts had been enrolled in the QuickBooks or Quicken Direct Connect service. This email indicated that there was fee for this service. As I had never enrolled in such a service and was not interested in it, I called the number listed in the email -- the Wells Fargo 's customer service for personal accounts telephone number ( XXXX ). The person I spoke to informed me that her records indicated that I was not enrolled in any such service. She told me the email I received was a phishing scam ; she directed me to forward the email to XXXXXXXXXXXX and delete the email. I did. Later, I received a printed letter ( attached, dated XXXX/XXXX/16 ) from Wells Fargo thanking me for enrolling in the QuickBooks or Quicken Direct Connect service at Wells Fargo. After that, I closed both of my accounts. Then, I received two emails ( attached ) notifying me that both of my accounts could not be charged for this QuickBooks/Quicken Direct Connect service.
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America has been illegally disposing of my hard earned money after over 40 years of my trusting them with my assets. it. I do not know how long this has been going on. 
In regards to this matter, I filed a case against Bank of America on XX/XX/XXXX. XXXX # is:XXXX. 
I am writing to you again to provide you with additional evidence. Not only Bank of America has failed to make scheduled payments on time and in the amounts I had planned to pay creditors ; they have also pretended to make payments to my XXXX XXXX account but my creditor denies receiving any such payment.- When contacting customer service at XXXX XXXX card ( account number : XXXX ) they have acknowledged receiving payment for {$45.00} but denied receiving {$100.00} The {$45.00} payment occurred only because I personally went to the XXXX XXXX store located in XXXX, MA. I gave them the cash money I had with me, {$45.00}. I had to pay cash because when using my Bank of America debit card, payment to the XXXX XXXX was declined. My Bank of America account had funds to pay {$120.00}. 

As you can see in the enclosed pictures, Bank of America has been damaging my credit worthiness and stealing my money from my Bank of America account. These pictures show the illicit behavior in the following ways : -Deduction of {$100.00} but never paid XXXX XXXX. 
-Letter of complaint by XXXX in regards to only receiving {$45.00} while Bank of America kept {$100.00} kept in their pocket on XX/XX/XXXX. 
-Another issue is their scheduling a payment for {$120.00} payment to XXXX XXXX without my knowledge or consent to be paid on XX/XX/XXXX. 
I will be permanently closing my Bank of America account but it will take months before I can accomplish this goal because of the very cumbersome process of reporting any account changes to multiple health insurance companies, EAPs Programs, etc. 
So far, I have been spending numerous hours on the phone calling creditors but I am the one who is not being believed, PLEASE protect me and the public from Bank of America I do want this complaint to be published but my account numbers and name must be deleted as bringing public attention to my personal matters is not appropiate in my profession.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Several months ago I provided the Short Sales Dept at Ocwen Financial Services, with an authorization for Attorney XXXX XXXX/Assistant who are handling my Short Sales process. Ocwen approved the Short Sales and I have a Buyer who 's approved and ready to close ; but to my dismay due to the negligence of the Relationship Manager ( XXXX ) assigned to my file, I 'm in the verge of losing my Home to Foreclosure. Both the attorney 's assistant and I have been trying relentlessly to contact XXXX XXXX ( Relationship Manager ) in order to obtain a scheduled BPO ; which is the only thing missing for the closing and despite are continuous efforts to call him, he does not return our calls. Due to this I 'm getting very close to the date scheduled for the Foreclosure Sale of my home. In light of this, both the assistant and I have also tried contacting the Director of the Short Sales Department, but every time her and I have called the Customer Service Department, the Representatives have refused to provide us with his contact information. In light of the fact, that they refuse to provide us with his contact information, we 've requested that he contact me or her, but again to my dismay without success. I recently sent a letter to their Headquarters located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, in attention to XXXX XXXX XXXX ( President of Ocwen Mortgage Services ). In this letter, I provided specific details of my ordeal and I asked for his intervention, in order to prevent the possibility of losing my home to Foreclosure only because of the negligence of the individual assigned to process my file. Now I 'm filing this complaint hoping that, I can get a positive outcome and not lose my home to Foreclosure.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I contacted Equifax few weeks ago and told them that the information that is on my credit report as public record is effecting me. I was tryi ng to get a student loan for my son for school. The public record they put only shows up in Equifax not the others I called the district court house to find out what was going on. They are looking for someone who has the same name as me but as they brought up who the person was married to and their kids and my social security number doesnt match up with their profile I asked them if they reported this they said not on your social security number .. so I contacted Equifax few weeks ago ( 4to5 ) weeks and it 's still there.. I want to removed because I would like to buy a house.. in the next 2 years or so. They asked if i ever lived in XXXX XXXX, or had a house there. I said no never had a house there .. I only had a mobile trailer home ..
Consumer complaint received 2016-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

Good afternoon, I have yet to receive a formal statement from Heartland ECSI since XX/XX/XXXX, which was the time in which they took over management of my loan from Campus Partners. I have made payments only because I have personally logged into the account to see the status. It is the obligation of the loan service provider to provide me monthly or quarterly statements and notify me within 30 days of my due date of payment. None of this has happened. I have received XXXX document stating that my loan was been transferred to Heartland XX/XX/2016 and one email dating XX/XX/XXXX that my statement was ready. No correspondence other than this, not one time. I have requested electronic and paper billing none of which I have received.I made this request XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX none of my requests for statements were met. 

In addition to the lack in response Heartland ECSI processed a payment XX/XX/2016 that was submitted to XX/XX/XXXX. Campus Partners now Heartland ECSI stated to the credit bureaus that no payment was received but clearly written on the check along with my USPS receipt for the payment with the date. That is clearly fraud and needs to be corrected immediately along with any interested that was occurred due to that misapplied payment. 

I am hopeful that the CFPB will support me in this effort to correct the wrong doings of these XXXX companies so that no other borrower will be taken advantage of.
Consumer complaint received 2017-09-09
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. (KY)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have been in contact with Equifax in the previous months, for which, I have certified return receipt cards, to proof that their representatives signed for my letter informing them that I had previously reviewed my credit report and noted that there were XXXX entries that were not mine. I notified them that I had even contacted XXXX XXXX and XXXX by certified return receipt XX/XX/2016, inquiring about the XXXX entries that were listed in my credit file by these XXXX companies. XXXX XXXX along with XXXX XXXX XXXX have both failed to supply me with valid proof baring my signature that I was the owner of account XXXX and XXXX. However, I have recently pulled my credit report and not only did I notice that Equifax did not delete both entries by XXXX XXXX and XXXX XXXX XXXX, but they have continued to supply non-factual information on my credit file attached to my social security number, stating that I have an unpaid balance of {$240.00} due to XXXX XXXX and XXXX XXXX XXXX, and is therefore, in a breach of the FDCRA. I have also requested valid proof from Equifax to supply me any information on file baring my signature, along with a copy of a contractual agreement that I had with XXXX XXXX and XXXX XXXX to pay them the amount reflecting in my credit file with Equifax, and as of this date they have also failed to supply me the valid proof as mandated by the FDCRA, therefore, this entry needs to be deleted from my credit file immediately, and I am demanding my cycle score be updated immediately!!
Consumer complaint received 2017-09-09
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. (CA)

I was a victim of the Equifax Data Breach described in the following FTC announcement : https : //www.consumer.ftc.govXXXX I learned about the breach XXXX XXXX 2017 thanks to media coverage. 

The steps I 've taken are the ones suggested in the FTC announcement : 1. I checked whether I was one of the affected individuals by visiting www.equifaxsecurity2017.com. I found out that indeed I was affected. 

2. I placed a 90 days fraud alert on my files with Equifax ( and hence, by extension, with the other two bureaus as well ). 

3. I checked my credit report for inaccuracies at XXXX. I only checked with one bureau ( XXXX ), so I can check with the other two for free in 4 and 8 months, respectively. There were no inaccuracies. 

4. I reviewed my existing credit card and bank accounts for any suspicious activity, but this was not unusual, as I monitor my credit card and bank accounts every month. There was no suspicious activity.
5. I 'm filing this CFPB report.
Consumer complaint received 2017-09-09
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. (WV)

Equifax Inc. mishandled personal information including my name, social security number, birthdate, address, and driver 's license number. I verified my data were affected by using the Equifax website at www.equifaxsecurity2017.com ( screenshot attached ).
Equifax Inc. has put me and millions of others at increased risk of identity theft.
Consumer complaint received 2017-08-09
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: Equitable Acceptance Corp (TN)

About a year ago, I was called by a company called Equitable Acceptance saying that they would help me pay on my student loan and I would pay XXXX towards my student loans. However, I later found out that that XXXX was going to something that is said to be a 3 year doc fee. I feel like I was scammed because I asked if this would go towards my school loan and they told me that it would. However, it appears on my credit report as a credit card loan that I have to repay which is XXXX. I would have never signed up for this service had they told me it would not go towards my school loans. I would have just have paid what I owe directly to the people I got my school loans from. They take money directly from my account every month on the XXXX and I called and asked them to remove the loan because I did n't want to continue services and I was told that I had 3 days to cancel and it was well pase my 3 days. They also mentioned that they paid XXXX XXXX XXXX for me thats why I had to repay them. I really need to get out of this loan.
Consumer complaint received 2017-05-01
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)

Over the past year, I 've sent written disputes to Equifax asking them to remove  XXXX  inaccurate  XXXX   XXXX  on my credit report but to this date, no actions have been taken to address my concerns.     These  XXXX  " medical '' collections are only showing up on my Equifax credit file.  XXXX  and Transunion have never had this information on my records. I am attaching a section of a recent report that shows this information along with this complaint.for the CFPB to review.     The first account has an account number of "  XXXX  '' with a past due balance of {$55.00}.     The second account has an account number of "  XXXX  '' with a past due balance of {$100.00}.     I do n't understand how this is possible. It 's very suspicious that there is no name to identity these accounts and they are supposedly medical related. It is also suspicious that ONLY Equifax is reporting them to my credit.     I have called the phone number provided in Equifax 's dispute letters but I always get an answering machine and am kept on hold for a long time. The last time I called, I held for over an hour before I decided to hang up.     I have also personally requested verification of these debts in writing but to this date, no supporting documentation has been provided. If this is the case, how can Equifax continue to report negative information on my credit that can not be verified?     Equifax is reporting someone else 's accounts on my credit and I am having to pay the price for debts that I never even created.