davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NV)

CFPB, this is not a duplicate complaint. Per the CFPB Ombudsman Office, if the company fails to answer our questions or raises additional questions, we are entitled to submit additional complaints against the company! This complaint is for First American Title to respond too and answer all of our questions below! If First American Title responds to this complaint accurately and truthfully, we will cease and desist all complaints against your company. Failure to comply will result in additional complaints filed against First American Title!
Now, as the CFPB and First American Title knows, First American failed to answer our previous questions in CFPB complaint # XXXX which was submitted on XXXX XXXX XXXX. First American provided a written response to the CFPB dated XXXX XXXX XXXX which First American did not answer our questions. As you can see from our previous complaint against First American, First American failed to tell the truth to a federal agency that is going to conduct an investigation! As I stated in previous CFPB complaints, If First American did not violate our rights or our laws, then why are they failing to answer all of our questions? Now ; First American stated in a previous complaint ; " that the lenders instructi
on on page 3 stated ; " please send the Deed of Trust and the title policy to the address below ''.
NOTE : on page 3 of this document states a copy of the hazard insurance policy and the title commitment is to be sent to the lender in the closing package ''. There is no mention on this document what First American stated! Can First American provide this document, page 3, circle this area where it states ; " please send the Deed of Trust and the Title policy to the address below ''? Is n't it a fact that First American Title policy is to maintain accurate records even in your electronic data base at all times?
Consumer complaint received 2017-09-13
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. (CT)

Equifax, as the victim of a XXXX 2017 cyber attack, lost roughly 143 million customers data to hackers. Names, birth days, address, ssns, and driver 's license numbers were access. Credit card numbers as well. Reports indicate that Equifax took over a month to respond to consumers, may stand to profit from the event by rollovers from free credit monitoring services, and user 's must forego their right to participate in a class action lawsuit to get said services. In response, I am filing this complaint and putting a fraud alert on my accounts with the other credit bureaus.
Consumer complaint received 2017-09-13
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

I sued the attorneys for Wells Fargo Bank over an account that was reopened and used by them that they wanted me to pay off as a LOC. The judge sided with Wells Fargo not because they proved I owed the loan but because she said it took me too long to sue them! The attorneys for Wells Fargo ( XXXX XXXX XXXX, XXXX in XXXX XXXX, MD ) sent me a letter stating my home would be " sold at public auction at the Courthouse Door, Judicial Center, XXXX XXXX entrance, XXXX XXXX XXXX, XXXX, MD under foreclosure proceeding instituted in the Circuit Court for XXXX County on Monday, XX/XX/XXXX at XXXX. The next day the renter in the property received a phone call from the " new owner '' stating they could not stay beyond their lease of XX/XX/XXXX. The tenants informed me they paid rent to the new owner for XX/XX/XXXX. I contacted Wells Fargo and they would not give me any information. They are aware of the 1st Mortgage in the amount of {$26000.00} due to XXXX XXXX. They have not paid XXXX and XXXX is now reporting like I still own the property even though I paid them their portion of the mortgage through XX/XX/XXXX.I am getting bills from the property after XX/XX/XXXX when I no longer owned but can not get any information in writing from the Wells Fargo attorneys . 

What can be done? Wells Fargo told me they would ruin my credit and not only foreclose but make I was not eligible to get a refinance or any other new loan. I am going to retire shortly and want to move. Wells Fargo is doing all they can to ruin because I refuse to pay a credit card that I did not have.
Consumer complaint received 2024-11-05
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. (IL)

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXXXXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-13
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. (OR)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they later confirmed I was affected by per their " Potential Impact '' sit
e www.equifaxsecurity2017.com. They have put myself and millions of others at risk
of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XXXX investigated the following listing, XXXX XXXX XXXX XXXX  XXXX XXXX ..., on my credit report. Upon completion of their investigation, they deleted the referenced item. I was notified of the investigation and subsequent deletion. 

USAA continues to list the item, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ..., on my USAA Accounts, claiming the bankruptcy is a primary reason for my credit report being low. 

It appears USAA is artificially lowering my credit score on their website and/or my accounts and charging me a double digit interest rate insisting the information is still being reported and/or provided to them by XXXX.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A skateboard was purchased on XXXX for {$1600.00} on XX/XX/XXXX. The skateboard was returned back to the merchant on XX/XX/XXXX under XXXX tracking # XXXX. The returned item was successfully received by merchant however a refund was NOT processed by merchant. A dispute was filed with the credit card company, Capital One, approximately 2 weeks after XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Capital One informing me that I was getting re-billed for the full amount of this charge, {$1600.00}. However, the amount of {$1600.00} was not actually re-billed to me as I later learned. According to the merchant 's response, I had redeemed {$480.00} of a gift card issued to me pertaining to {$1600.00}. This is 100 % false as I never redeemed any amount relating to {$1600.00}. The merchants response is a lie and I expect a full credit. I expect not to be bullied by a XXXX dollar company and fully, notwithstanding, expect a refund of {$480.00} that was fraudulently obtained and charged to my credit card. The amount of my gift card used had no relevance whatsoever to this specific order.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

This morning, X/XX/17, I tried at least three times to use the security freeze option offered online at Equifax 's web site at freeze.equifax.com. Each time, after following all the steps, I received a " 500 '' error message. I then went to equifax2017.com, and followed the instructions, to no avail. I tried the phone number given for freezing my credit at Equifax, XXXX. Following all of the prompts, " 5 '' and then " 3 '' I got through to the freeze function and was informed by a recording that it was unavailable. Through XXXX 's web site, I then tried another Equifax number, XXXX. After waiting on hold for a while, a representative answered and told me that in order to freeze my credit, I needed to go to www.ftc.gov/XXXX. I went there, and could find no means to freeze my account. Searches on that site for " freeze '' and " security '' revealed nothing. I then called the XXXX number again, XXXX, and was told that I should NOT use the ftc website, and instead should go to equifax2017.com. When I told the representative this did not work, he went away for a moment for further instruction. When he returned, he could do nothing but read from a script with the same instructions and say " I 'm sorry. '' I told him that the information being providers was useless, and he said " I 'm sorry '' as if he truly meant it ; I felt badly for him that he was put in this position.
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

OnXX/XX/XXXX purchased my first house through XXXX XXXX XXXX. The initial escrow payment was {$690.00}. Wells Fargo purchased the loan and I made the first mortage payment for XXXX. Each month {$150.00} is applied to the escrow account. On XX/XX/XXXX at XXXX I spoke with XXXX XXXX in the Executive Office. Prior to speaking with her I spoke with XXXX in the Executive Office. I was on the phone for many hours without resolution. On XX/XX/XXXXI received a notice that there is a 1 month shortage in the escrow account. I 've spent hours and hours and been hung up on, ignored and provided tons of misinformation. After many different calls and nobody properly being able to pinpoint why there was a 1 month shortage on my escrow account ( including XXXX from Executive Office ) - I finally got a hold of a young lady at a lower level customer support that was able to pinpoint the problem being in the Initial Escrow Account Disclosure Statement. That paperwork that I signed at closing shows taxes due / collected in XXXX, where Wells Fargo shows XXXX. We both googled XXXX XXXX property taxes and noted they are due on XX/XX/XXXX on their website. Wells Fargo has a 2 month minimum in the Escrow Account and collecting for the full year of taxes in XXXX leaves only 1 month remaining in the Escrow account. I 've read this complaint to XXXX for accuracy over a recorded line.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

On X/XX/2017, I attempted to freeze my credit on Experian 's website. Was told without reason that it was unable to do so. However, the {$3.00} processing fee was accepted and processed via my credit card as I received a notification of this on my cell phone. I want to know : 1 ) Specifically why my request to freeze my credit did not work, given the same information was provided to both XXXX and XXXX and they were able to freeze my credit immediately, and 2 ) Why, if Experian was not able to freeze my credit, was the {$3.00} fee accepted? 
3 ) Why is there no Experian phone number to call for questions. All that was provided was a PO box where to send additional documentation. 

Entire excerpt of what I received after attempting to freeze my credit via their website : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, P.O. Box XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, previous addresses for the past two years and any applicable fee as indicated below. If you are a victim of identity theft and submit a valid investigative or incident report or complaint with a law enforcement agency, the fee will be waived. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request electronically at XXXX. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 

If you are paying for a security freeze placement, enclose your check or money order for {$3.00}. 

Mail this form, along with payment ( if applicable ) to : Experian Security Freeze PO Box XXXX XXXX, TX XXXX ''
Consumer complaint received 2017-09-13
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)

Response below : Equifax did not securely store vital financial data they collected on me and millions of other people. Once the data was stolen they did not notify me directly, and had no appropriate solutions. Vital current information, like bank account numbers, addresses and drivers license number were left exposed, as was permanent information, like my social security number. This means I am for ever at risk of identity theft and tax fraud. The only solutions offered by Equifax have been temporary, limited to the next couple of months. Additionally, they have used this as an opportunity to promote other services, trying to make money from their own failure. 

The few options I have as a consumer ( checking my credit score, credit freezes and fraud alerts ) have been nearly impossible with all three major credit companies ( Equifax, XXXX XXXX XXXX ). With Equifax in particular it has been completely impossible, since they seem not to have the resources to deal with all the affected customers. This means I have to spend several hours trying to solve this problem. Additionally, over the course of the lifetime this hack will affect me, I will have to keep spending time and money to freeze and unfreeze my account, and to monitor my credit. This is entirely caused by a company I never chose to have business with in the first place.
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (LA)

They are saying we owe this money back from XXXX. It just appeared on my credit last year. 
I challenged it inXX/XX/XXXX with a letter requesting verification. They sent me an AR report. I replied to them that this is not evidence. I requested an actual bill for those months with the meter reading to prove for those months. 
We moved out in XX/XX/XXXX. We made payments for the last bill. 
We knew nothing of this. 
Now 3 years later they are saying we owe {$570.00}. Our electric bill has never been {$570.00}. 
We paid the final bill after we moved We paid 2 payments and then it looks like they just takes on {$570.00} out of nowhere. 
We moved out in XX/XX/XXXX and they tack this on in XX/XX/XXXX. 
I did not find out about this until last year. 3 years later. I disputed it requested to have it removed, they have not done it. 
We are moving and trying to get a mortgage for a house and this pops up again on my credit report. 
They have not been helpful They refuse to provide proof, saying the AR report is sufficient. 
I requested an actually bill that proved the meter usage. They said they do not have to provide that and this was sufficient. 
I told them that anyone can write this, it is not proof. We did not live there XXXX -XX/XX/XXXX 
And Accounts receivable report is no evidence. 
I requested a bill for those dates proving meter usage. 
They would not even negotiate or try and settle. 
And they would not remove it or even if i paid it they would not verify giving me a letter to remove it from my credit score. 
How can they not provide the bill proving the meter usage for those months. 
Which by the way, we did n't even live there Between XXXX and XXXX. 
We made the last payments from when we lived there. How can they tack on {$570.00} on it. 
It has never been that. Also common sense would say that if I was not paying my bill they would turn my power off, right??? And Again, we never received a bill for that.l once we moved out. This came out of nowhere last year. And we have been fighting them. They have been horrible, not willing to do anything. 
I do not owe this money.
Consumer complaint received 2017-09-13
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. (NC)

In XXXX of this year, Equifax experienced a data breach affecting almost all adults in the US. This data breach was due to criminally negligent data security architecture. In addition to the almost certain exposure of my name, ssn, address, phone, and other PII they did not announce the breach for almost 6 weeeks. Congress needs to do something to protect all US citizens from the inflated risk of identity theft  as there is now no way to be 100 % certain who a given creditor evaluating - you or an identity thief.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

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.

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 2024-11-08
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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX deposited {$1400.00} into ATM WellsFargo XXXX XXXX on XXXX XXXX, zip XXXX. 
Machine jammed, machine asked me to enter the amount I deposited. I entered {$1400.00}. Machine printed receipt saying {$200.00} of deposit is available today the rest will be available on XX/XX/XXXX. The machine closed down to any other users at time. 
My account was not credited the remaining {$1200.00}. 
I filled a complaint in the branch. The credited my account till they did a investigation. 
6 weeks later they completed their investigation, told me the machine balanced and debited my account {$1200.00}, causing overdraft. 
I do n't know what to do, I have no proof and feel completely powerless. At time of deposit I had {$2000.00} in my account. We have banked there for 9 years. We have a Wells Fargo Credit Card with a limit of {$18000.00} that we built up from {$5000.00}. We are upstanding members of the community with no criminal records, which is more than I can say for WellsFargo. 
Please advice me, {$1200.00} is not a fortune I know but substantial for me, I cant just swallow a loss of {$1200.00}. 
I cant understand how this could happen and the emphasis is on me. I put money in my Bank and its gone.