davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear CFPB, Reference : XXXX - XXXX # XXXX XXXX XXXX XXXX I am writing to formally address an issue I have encountered with XXXX XXXX, a collection agency that has placed an invalid negative collection on my credit report. This action appears to be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 5 ) and 15 USC 1692c. 
Despite my repeated attempts to resolve this matterthrough multiple phone calls and emails beginning in the month od XX/XX/year> when I noticed change on my credit report XXXX XXXX has failed to remove the inaccurate information from my credit report. This has caused significant distress and adversely affected my credit score. 
Please review attached email correspondence with XXXX XXXX XXXX I kindly request that the CFPB investigate this matter as I believe my rights under the FCRA have been violated. I have attached copies of my correspondence with XXXX XXXX and my credit report showing the disputed collection for your reference. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX [ Attachments : Correspondence with XXXX XXXX, Credit Report ]
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (SC)

I sent the company a certified letter on XX/XX/2022 to Hunter Warfield XXXX INC, located at XXXX XXXX XXXX XXXX in XXXX FL. It was to indicate that the {$2200.00} debt that they say I owe does not belong to me. I did not sign a contract or any form of agreement with this company. 

To date, I have not received a response from them, and the debt remains on my credit report.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I was charged fees by Wells Fargo and they placed my name in the debt department for one account over {$300.00} and the other amount over {$400.00}. I should not have to pay these fees because it was for a check I had cashed already.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

My account had fraudulent charges, the charges caused.my account to be withdrawn. Even through Wells Fargo acknowledged the charges as being fraudulent they only refunded me two overdraft fees but there were twelve in total. Also they did nothing to stop or help me from incurring charges. I had to close my account to save my direct deposit. That was two years ago and they are still sending me bill for the fees of a secured credit card I closed in good standing.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

In XXXX I noticed various charges to my bank account to XXXX. I had noticed these charges before, but had assumed it was XXXX XXXX making purchases. I was not aware that our debit cards were different until I questioned her about it. When I discovered that these were all placed on my debit card I immediately contacted the fraud department at Wells Fargo, my bank, and an investigation was started on XX/XX/XXXX. Through talking with the first representative I reported it to, we were able to determine that the charges dated back to XXXX of XXXX and amounted to a little over {$7000.00}. I waited patiently until XXXX XXXXXX/XX/XXXX to find out that the bank is denying my claim stating that they can not determine there was fraud. I asked them if they had contacted XXXX to find out where the purchases were made and they said they hadnt. I never received any communication or questions about whether I made these transactions, which I hadnt. I was told by the supervisor in the fraud department that they looked at financial transactions and determined they couldnt prove fraud. I asked how they would be able to prove fraud without investigating at all but they stuck to their script about not saying there wasnt fraud but not being able to determine any fraud had happened and I could go speak to my XXXX XXXX XXXX if I needed it investigated further. 
I have been doing business with Wells Fargo for probably XXXX XXXX now and have never had a problem like this, but they dont seem to be seriously looking at doing anything if they are not even contacting any of the parties involved before making a determination. Could you please help me in obtaining my {$7000.00} back which was made over XXXX XXXX or so by someone who managed to set up an XXXX account with my debit card? 
Thank you
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (TX)

On XX/XX/XXXX, Remitly responded to my original complaint of identity theft and fraud of {$1800.00}. They stated they would be refunding me the {$1800.00} on XX/XX/XXXX, and it would take XXXX business days to be processed to my account. As a victim of identity theft, I've closed my bank accounts down. My bank stated if the refund was received, it would be returned to sender. I called Remitly on XX/XX/23 to try to request the refund be mailed to me as a check for {$1800.00}. The first representative wasn't cooperative, and stated they have no supervisors when I asked to speak to one. I hung up. The second representative tried getting a supervisor on the phone, but was unable to do so. She stated that a supervisor will call back within XXXX hours. This didn't happen. I would like a check for {$1800.00} mailed to my address that Remitly has on file from the fraudulently set up account since I am not comfortable with nor will furnish my new bank account information to them.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NV)

This is in regards to Wells Fargo and the {$3.00} XXXX lawsuit. I am a current Wells Fargo customer and was XXXX during the dates given of XXXX.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. XXXX and Experian continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report. I just recently obtained documentation from the United States Bankruptcy Court as well that sates they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Experian and XXXX has both sent me letters stating that they reached out to the Court and the information came back verified which is a total lie considering their response. I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and anxiety.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I sent a letter on XXXX XXXX XXXX different address associated with Experian asking them to investigate my account. Here are the tracking number ( XXXX ) : XXXX XXXX XXXX It has been over 30 days. This consumer reporting agency is in violation. 

According to 15 USC 1681i - Experian has 30 days to investigate and send me the results. 

They also did not even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

I contacted Wells Fargo Bank which holds my 1st Mortgage to get my PMI dropped, as the XXXX is under 80 %. I previously filed an XXXX complaint against Wells Fargo Bank as XXXX XXXX XXXX ( see attached ) that is presently being investigated. I believe that Wells Fargo Bank is retaliating against me for pursuing an XXXX complaint against them. All criteria for PMI has been met in accordance with the XXXX ratio being under 80 %.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Uplift, Inc (GA)

I use the travel agency uplift.com. when XX/XX/XXXX of 2022 I called in to pay my bill for XXXX and XXXX. After having a brief conversation on the phone with the representative as he was confirming my identity and taking my information to pay my bill, later that evening I received the text from an unknown number which turned out to be the representative that I spoke to at this company. This representative took it upon himself to take my telephone number off my application and reach out to me for his personal gain. After letting him know that he should not have reached out to me I googled his area code and he lives in the same state as I do. That alarmed me I have been petrified ever since. I have since went and brought some kind of protection from my door, I also went to start the process of getting my license to carry a concealed weapon. This situation I feel that it is harassment, it has me nervous all the time, I'm always watching my surroundings, and I just do not feel comfortable in the place in which I reside anymore. This representative has access to my address as well as my social and of course my telephone number. I am no longer comfortable where I live and have been residing for the last 3 years. I'm hoping that someone can help me with this urgent matter.
Consumer complaint received 2022-10-03
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

I attempted to do a loan modification with wells fargo in 2013 because I was laid off from work. I was mislead and misinformed. The loan modification did not go through and I lost the home that I worked so hard to aquire and keep. Also I lost on on a {$10000.00} insurance claim. Wells Fargo kept the entire check from XXXX XXXX after I repaired the home from a leak/ flood.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (VA)

Please see my " feedback '' to the lack of accurate response from New Rez to my complaint. It appears that the CFPB just takes the word of the bank without verifying the information. New Rez has ruined my XXXX credit score and I am unable to get it fixed. Their customer service is horrible. The deposited a payment in XXXX of 2021 and did not credit it toward that months payment. They did not notify me of their mistake until the end of XXXX and by the time I send the XXXX payment ( which then was a double payment for XXXX ) they had already reported a 30 day late. They would never respond to me personally after XXXX year of trying. They finally responded to the CFPB without answering the question of what happened to the payment made in XX/XX/2021. I promptly paid off that mortgage after I realized how bad the service was. I would like to get my XXXX XXXX restored. Please see the attached file.
Consumer complaint received 2022-10-03
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-03
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. (MD)

Account name : # XXXX. 
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 2022-10-03
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. (MD)

Account name : # XXXX. 
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 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX. 
XXXX I have reached XXXXXXXX XXXX XXXX dept and all 3 credits bureau to remove the delinquent filed by XXXX XXXX XXXX of XXXX, after the account was paid for bogus interests. 

Here 's the scenario, XXXX XXXX purchased XXXXXXXX XXXX XXXXXXXX Credit Card. XX/XX/XXXX, I paid the entire balance in full with a due date of XX/XX/XXXX. I always paid my store account XXXXXXXX XXXX XXXXXXXX in full and had no issued. 

I was told by XXXX XXXX customer service, because I did not contact them for a payoff after the balance paid I owed interests from XX/XX/XXXX to XX/XX/XXXX in the amount of {$34.00}. 
XXXX XXXX did not attempt to reach me by phone, or my current address. 

First notice received on XX/XX/XXXX contacted XXXX XXXX and paid the amount due on XX/XX/XXXX. XXXX XXXX file delinquency on XX/XX/XXXX and refused to remove it from my credit history. 

I have exhausted all avenues to resolve this issue. XXXX XXXX report is incorrect as there was no balance due on my XXXXXXXX XXXX XXXXXXXX account. XXXX XXXX added an additional interests daily to a XXXX balance account and refused to return the money or remove the incorrect information on my report. 
I am unable to refinance my home because of this delinquent on my credit history. I worked hard to keep my credit current, now due to the greed of XXXX XXXX my credit has been tarnished for seven years.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-10-03
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-03
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. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-03
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX XXXX XXXX XXXX, I deposited {$2500.00} into Bank of America ATM XXXX XXXX XXXX XXXXXXXX ). It was a drive through ATM. The loading screen loaded for around 10 minutes and says there is a problem with the machine and they will not be able to return the amount lost. Only {$300.00} was deposited in the end. I called customer service and they told me I would get a temporary credit for the {$2200.00} lost in the ATM, but I still do not have it. They are still doing research but I would like this expedited. I am certain there is camera footage in the ATM to show that I was there to deposit and how much I deposited.