davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo is currently holding proceeds from my insurance claim in a Mortgage escrow account. Due to a complete loss file we have on XX/XX/year> my insurance company provided a check of {$330000.00} to our name and the name of the mortgage holder Wells Fargo. XXXX XX/XX/year> Wells Fargo issued us a check of {$110000.00} to get started with the rebuild of the house. I have been trying for the past XXXX months to get them to release additional funds in order to continue with the rebuild. I have provided them with details of how the initial {$110000.00} was spent with receipts as well as details of where the additional funds needed will be spent. I have provided Spreadsheets, XXXX Estimates, cost projections and proof of where the rest of the funds will be coming from to complete the rebuild. I keep getting their field inspections denied, because they see XXXX  % progress with the building. I have tried to explain they are not taking into consideration the documentation I have submitted, which includes demolition of the original house, site preparation, land site survey, architectural drawing and services needed, Utility connection fees and temporary services, building permit city fees and flood plain program participation fee 's which all together surpassed the {$110000.00} they provided. The site has been ready to have the Foundation completed and Lumber wood package needs to be ordered and paid for. I will submit to you the XXXX most important documents related to the complaint, but have many for to share if needed. I am current with my mortgage payments and don't understand why Wells Fargo makes this so difficult when all we want to to rebuild and get back into our house. I also do not understand why I can't get XXXX specific case XXXX or contact to discuss this rather I have to keep explaining it over and over to multiple Wells Fargo employees. The only response I get in over regular mail with no solutions. I have had to contract them multiple times with it taking them over XXXX  days to respond by mail. I also have a letter response from Wells Fargo stating that the investor with this mortgage denied the request for release of additional fund or " Exception '' as they call it. I contacted the " Investor '' aka XXXX XXXX and they do NOT show a request from Wells Fargo regarding my request. The lack of attention to my situation is causing me financial hardship as I have not been able to proceed with he rebuild of my home. The funds they are holding are my proceeds of insurance claim, I understand the need to protect the investor, but they are making it impossible for us to rebuild our home with the Wells Fargo method and procedures they have in place. I feel I am being lied to and Wells Fargo has no compassion in my case.
Consumer complaint received 2023-07-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (CA)

Around XXXX on XX/XX/XXXX, I was shopping on the US Bank website for CD rates and to see whether the bank required new money for what appeared to be competitive rates. 

I started filling out an application online and entered $ XXXX for a term of 11 months. When the application got to the part asking if the account was to be joint, I exited out into order to sleep on it and follow up in the morning. 

The next morning, I went back online to complete the application and open the CD and found that it had already been opened. $ XXXX had been transferred without my authorization and opened the CD. 

I called US Bank immediately after seeing the open account and have had multiple calls to US Bank customer service and wealth management department, the branch, all the while being told this will be investigated to see what happened. 

I was told on XX/XX/XXXX that they would fix it and put $ XXXX back into the account. A week later, this hadnt happened. I called again and was told that wasnt possible. Then I agreed to keep the $ XXXX for 11 months and had to do a zoom meeting for the signature. I was assured by the guy doing the zoom call, he would submit this to have it investigated as well. 

I was sent a survey asking how the service had been so far with US Bank and I outlined what had happened. Today, XX/XX/XXXX the branch manager called me and said the process US Bank uses is that if you start an application, you have opened the account and thats the way it is and Im not the only one whos had that happen to. He also said the branch is not the same as online banking. 

I requested the manager submit a request to investigate the online banking process for opening a new account since there were no stopgaps before opening and I did not authorize opening the CD. Online investing and opening new accounts should have several confirmations before the transaction is complete. There should be a higher level of accountability with online in order to insure the customer is truly authorizing the transaction. 

In the branch, in person, theres no question because the customer is present and signing a document. Theres not that level of security online and several requests for review and confirmation should be required before authorizing the transaction.
Consumer complaint received 2023-07-29
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (CO)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with PRO COLLECT plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1400.00}
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hi, The credit bureaus have been misreporting my accounts on credit reports. 

I have started to dispute the bad information in it and I demand that you send me a response within the next 30 days of the status of my disputes and that they also correct / erase all errors in my report
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My father informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I started to investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown, suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX/XXXX  XXXX {$470.00} XXXX XXXX  XXXX {$7200.00} XXXX XXXX  XXXX {$2000.00}
Consumer complaint received 2021-02-12
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: EQUIFAX, INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (NV)

I opened a new us bank account XXXX XXXX. I received my card and the first transaction ever I attempted to XXXX {$100.00} but was unable. I called us bank customer service and was told my account was frozen for suspicious fraud and I needed to contact a e fraud rep and resolve the issue with him. I called the representative and he Explained me he can not tell me why the account was flagged but advised me to go into a branch and show my ID but as of that day my account would be frozen and I can not access any funds until I can go into a bank with identification. So today XX/XX/2020 I went into the blue diamond location and took my PASSPORT, XXXX SHERRIFS CARD ( which has my name, dob, and photo on it ), MY INDEPENDENT BUSINESS LICENSE, MY HOSPITAL DISCHARGE PAPERWORK, MY XXXX XXXX, AND MY XXXX bill. The manager proceeds to take copies of all my documents and informs me she will not allow me to access any funds until she speaks directly with the fraud rep and tell him I was able to be verified. The rep mark is off today. I asked her if there was someone else in that same department we can call so I can withdraw my funds before I leave. She told me NO and she was not going to repeat herself and told me i have to wait for mark and her to speak to release my funds and unfreeze my account. So I left the bank on years because ITS ALL THE MONEY I HAVE! So I left the branch thinking maybe in a few hours I can go withdrawn my money to get groceries and pay some bills. I get a call 20 minutes after leaving and the fraud rep said nope you cant have any of this money cause this isnt you and you dont look anything like the identification provided. What? I dont know what to do, they refuse to close the account or send me any funds. They stole my money and discrimination against because my last name is XXXX and Im a XXXX XXXX. The fraud rep treated me like some criminal and told me to go get a real job instead of scamming people. I need help. I am considering retaining an attorney to sue this branch.
Consumer complaint received 2021-11-12
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. (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XX/XX/XXXXInquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-11-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I'm sure you, I have never taken out these charges. I do not have access to the documents related to these accounts, but the creditors would.
Consumer complaint received 2020-04-01
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. (VA)

XXXX XXXX continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that XXXX XXXX reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by XXXX XXXX. To that end, I sent a letter to XXXX XXXX. XXXX XXXX has stated that the account was marked as in dispute in XX/XX/2019 ; however, my previous letters to the bureaus reflect that I was disputing this entry. Why then did they wait to dispute when I disputed with them directly. If they verified the entry as reflected on Equifax report, then XXXX XXXX should have updated the account to reflect disputed at that time not later. That is yet another violation of my rights. Entries should be updated as disputed with bureaus upon the bureaus responding in writing that the company, in this case, XXXX XXXX, verified the entry. 

To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me ; yet they have not. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that XXXX XXXX has no intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit report immediately.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Alorica Inc. (TX)

RE Account Numbers XXXX  System & Services Technologies, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX XXXX XXXX XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved