davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

My account was compromised on XX/XX/2022 My account contact information was changed. A XXXX account was made and 2 {$500.00} transactions were taken from the account. I contacted the bank the account was frozen until I was told I needed to go to the bank in person and order to have it unfrozen. On XX/XX/2022 I received another email that my contact information had been changed again and two more XXXX accounts were set up. I went to the bank and spoke with XXXX XXXX, explaining to him the situation we closed the original account opened a new one as well as changing the username and passwords. The two {$500.00} transactions were refunded to the account. On XX/XX/2022 the account contact information was changed once again. I called the fraud hotline they said that the only thing they would be able to do for me would be to change my information back. On XX/XX/2022 another notification was emailed to me that my contact information was changed again. I went to the XXXX XXXX sheriff 's department and filed a complaint on XX/XX/2022.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CCF Intermediate Holdings LLC (CA)

I first noticed this fraudulent loan on my XXXX XXXX recently, I sent the company a letter and XXXX and XXXX a letter on XX/XX/2022. Up to today ( XX/XX/2022 ) I have heard back from no one. I have never applied for such loan and want it removed from my credit report.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (HI)

To whom it may concern, My family and I have been experiencing a significant hardship due to Covid-19. From lack of work, to closing down a business that we ran, and taking care of the kids with online classes and homeschool. 

This has prevented us from being able to make payments towards our mortgage. 
When the repayment process was suppose to start back in XX/XX/2021, we needed help and assistance to work with the bank on payment options. 

Wells Fargo ( servicing mortgage ) and XXXX  XXXX XXXX ( Holder of mortgage ) have been giving me the run around on trying to help me. They keep requesting more information and documents which I provide them with all that I have available. Then they cancel the process and I have to start all over again. Then they cancel the process and deny any help. It is now moving into active foreclosure status. 

They did not reach out to me for more information or that they were going to cancel the loan modification process. In letters and emails they state that it could take 10-30 days for their review. I keep checking the online portal for any updates, only to find that they close the portal down on me. Then I call Wells Fargo to get the status and they state that the application was denied due to lack of response. I have received emails stating that I have completed all the required documents that they requested, and submitted all that they requested. So it was surprising that they canceled the application and moved forward with foreclosure. 

I kept checking the online portal to complete the tasks needed and then they close it down with no warning or notice that they denied any help. 

This is the 3 or 4th time that I have to submit another mortgage assistance application. 

There is currently an outstanding balance of {$140000.00}, of which they want it all upfront or paid back within 3 months. We are not able to come up with that amount at this time. 

Wells Fargo has sent the case to a collection agency : XXXX XXXX XXXX XXXX. And now getting demand letters from them. 

I feel that they delayed any help and support, especially when the interest rates were lower in the beginning of the year, and now afraid that I will have to pay more because of their delay. 

We are at a loss and not sure where to turn to get help. We want to stay in the house, else we will have to look at selling and moving somewhere else. 

We are currently in Wisconsin to help with my parents and their health concerns. My father is in the XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I am afraid that we will not have a house to come back to. 

I feel that the mortgage companies have not done anything to help us through this difficult time and the hardship that the Covid-19 pandemic has caused. 

It has been hard and stressful for my family and I through this entire process. 

We would like to be able to work out a plan that works for us and the bank and save the home. 

Any help would be appreciated. 

Thanks for your time and attention, XXXX.
Consumer complaint received 2022-08-11
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. (GA)

This information reporting agency, is reporting inaccurate information of my behalf, it is a defamation of character, and a hinderence of me getting approved for loans, credit card, utilities, etc. It is not an accurate reflection of my true credit worthiness. I have tried to resolve this issue with the agency multiple times, I have sent two seperate letters before filing this complaint on this matter. They will not comply with the law. They will not cooperate with me to resolve this matter. I wrote a letter to this agency stating that the followings items were reported inaccurately on my credit report- account- Bank XXXX XXXX {$3200.00}, Bank XXXX XXXXXXXX {$10000.00} XXXX Bank XXXX XXXX {$1300.00} XXXX They said it was verfied as accurate reporting which is false, then I wrote a second letter asking them for the method of verification which under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they must provide that information to me, and they refuse to not provide this information and still will not remove the unveriable items.
Consumer complaint received 2022-08-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (VA)

I applied for a mortgage with Sun West Mortgage via XXXX XXXX XXXX ID XXXX. 

XXXX denied my application to submit to underwriting stating I did not meet FHA guidelines because I did not have a home I own and will be renting out via a lease appraised and that should could not accept the lease I had. 

Per FHA guidelines a current lease can be used to estimate rental income. 

XXXX is not an underwriter so she should not be preventing people from applying for FHA loans. 

I am now at risk of my contract falling through due to her and her companies negligence and incompetency.
Consumer complaint received 2022-08-11
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 (MT)

On or about XX/XX/2022, I purchased online 2 boxes of XXXX XXXX XXXX XXXX XXXX for {$150.00}. I never received a confirmation email for my purchase!! I then looked at my credit card account and saw that a company named XXXX was listed for the purchase. That wasn't the name of the company I purchased it from, but I assumed everything was okay. I waited and never received my purchase. I assumed the delay was due to all the trucking issues we have been having in the U.S. 

On XX/XX/2022, they delivered via USPS a XXXX XXXX XXXX from XXXX AND from a different company that XXXX! At first, I assumed the XXXX XXXX  came from an order that I had cancelled on XXXX since they were out of stock for a color that I had wanted on a XXXX I had ordered. I thought the XXXX store sent it as a gift. I put it out in the garage for trash. However, I later found out through Capital One that this was supposed to be my 2 boxes of USA XXXX! 

I have sent Capital One ALL the information I have, and they refuse to credit my account for the scam. I even gave them information from XXXX XXXX XXXX to show that several other people have been scammed by this same XXXX company and received a XXXX XXXX!! 

I can not return the XXXX XXXX to the company because the XXXX Utah address shows no mailing address. I have searched for it. Furthermore, the XXXX website says that in order to return to them, you need to provide the confirmation number ( which they conveniently never sent me )! I emailed XXXX twice for my confirmation number so I could return the XXXX XXXX, but they have never responded. I also called their phone number and have received nothing but a busy signal!! The XXXX website also says to NOT mail a return item to the address on the website but that they will provide another address! How can they provide this address if they never answer their phone or respond to emails? I have copies of my emails sent to them. I also have a printout from my XXXX account to show I have never received an email from XXXX.
Consumer complaint received 2019-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

XXXX XXXX XXXX XXXX has placed a debt on my XXXX, XXXX, XXXX credit reports stating that I owed a debt of {$1800.00}. I have reached out to them several times requesting a copy of any documents providing bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting and also on my credit bureaus.. I have been maintaining a careful record of communication with you for the purpose of filing a complaint with the CFPB and the Attorney General 's office. I have repeatedly asked for evidence to support your reporting, but yet again you have failed to provide me a copy of any viable evidence. This incorrect reporting has had a tremendous impact on my credit and your lack of cooperation is unacceptable. Please remove the debt of {$1800.00} that does not belong to me off of all 3 of my credit bureaus.
Consumer complaint received 2022-08-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (VA)

I applied for an FHA loan via banco popular in XXXXXX/XX/2022. I worked with XXXX XXXX XXXX who informed me I would not be accepted for a loan due to me not selling my current home. 

I explained I had a tenant lined up and would be able to provide a lease before closing but XXXX who was a mortgage consultant denied my opportunity to move forward with the loan and refused to return my calls or emails asking for a denial in writing.
Consumer complaint received 2022-08-11
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: Synovus Bank (CA)

I accordance with the fair credit report act 1st Digital/Synovus/XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (PA)

I'm a victim of identity theft and on XX/XX/2022, I submitted a letter to all 3 credit reporting agencies Experian, XXXX and XXXX disputing a XXXX account that was opened fraudulently. I sent a letter requesting that the credit reporting agencies investigate this matter along with my police report, my FTC report and verification identification. XXXX deleted the account as well as Experian and XXXX. Experian and XXXX proceeded to put the account back on my credit after the deletion. I contacted both and asked how did they decided to add this fraudulent account back on my credit profile, and I was told " because the creditor state that it was mine '' and that the creditor did not have to submit any verification documentation. This is unfair, because the credit bureaus have a vested interest, they are paid by the creditors to report information, therefore, the creditors can say and report anything. 

Please investigate and remove the fraudulent account from my credit profile. I have attached my supporting documentation. 

Thank you
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I previously disputed several inquires with experian due to fraudulent activity. The company denied my challenge and then agreed to remove 2 of them in a previous CFPB complaint. This never happened and I was never supplied a new credit report via USPS as promised by Experian in their response. Not only did the company fail to remove the inquires, but it was vague in its response, not indicating which ones would be removed. I Further demand that all challenges be removed as the Experian never provided proof that these inquires were valid. The burden of proof remains with Experian as stated in the FCRA that credit reporting companies must prove information reported to be factual. This has not occurred within the 30 day requirement per the FCRA so I demand that all of the challenged inquires be removed immediately! 

Regards, XXXX XXXX
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-08-12
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. (NY)

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you. XXXX XXXX
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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. (TX)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-12
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: U.S. BANCORP (NY)

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you. USBANK XXXX
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the following accounts XXXX XXXX XXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ).
Consumer complaint received 2022-08-12
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 XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-12
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$550.00} XXXX XXXX 474438200006****Balance : {$760.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX*Balance : {$10000.00} XXXX XXXXBalance : {$310.00}
Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

I have contacted XXXX XXXX XXXX XXXX over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the FDIC ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as XXXX, XXXX, Experian.