davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (GA)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

I received an email that my mortgage was purchased by NewRez less than one week before the end of the month of XXXX and that my XX/XX/XXXX payment should be to them but they provided no account number. My automatic payment was already going to my previous company due to the timing. When I received an account number five days after this due date, I emailed NewRez to find out about the transfer of the XX/XX/XXXX payment. A week later, I received an email stating that only {$1200.00} was wired over so it was not applied and I owe them the full {$2100.00} and would owe a stop payment NSF fee. The email stated I couldnt reply but could call. When I called on XX/XX/23, I was told that it shows a transfer of {$1200.00} and none of that applied. I was told to call XXXX XXXX instead. I immediately called and it was escalated in their system to a supervisor named XXXX. He stated it clearly wire transferred to NewRez the full {$2200.00} and had a confirmed wire transfer number. He offered to call NewRez with me and we conference called. After explaining to another new customer service person at NewRez the situation, I had to ask her to escalate the call. We were transferred to a XXXX XXXX who stated that my first call prompted the {$1200.00} transfer to apply but I was late on full payment. XXXX gave him full wire transfer confirmation number. XXXX did not look it up and just said somebody would look into it. XXXX refused to give me or XXXX his contact number and just told me to send a picture of my bank statement indicating I paid. On XX/XX/23, XXXX called me from XXXX XXXX to conference call again. We called NewRez and had to explain story again. I was out on hold only to have person come back and confirm what I had just said but nothing more. I asked for XXXX XXXX and was told it was impossible to get transferred directly. I asked how I would find out any resolution and was told to check online. I noted I was told via email I would be in default and XXXX from XXXX XXXX had to tell NewRez about the 60 day grace period for the mortgage servicing purchase. How can this company be in business without the capacity to read a dollar amount correctly or be bothered to look it up?
Consumer complaint received 2023-08-18
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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-08-16
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. (IN)

We requested late payments be removed during XXXX time period since we should have been protected by the CARES ACT. The mortgage company/bank did send a letter on XX/XX/XXXX l, 2023 to all XXXX credit bureaus requesting that the late payments be removed for XXXX mortgage loans ( second one was XXXX  ). The main mortgage loan lateshave been removed, however the second loan account lates have not been removed yet. It has been 45 days since the request to remove, and needs to be updated immediately as we are trying to purchase another home and this is keeping us from doing so. I am attaching the letters from the bank/mortgage institution for proof.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I have been a loyal customer and account holder with Wells Fargo for about 5 years now. On XX/XX/XXXX, I opened a {$10000.00} secured credit card with them so they took a {$10000.00} collateral from my checking account. Since the day I opened this credit card account, I had paid on time and never missed a payment to this day. I never overcharged the card or went above the limit. In fact, over the past year I never really used the card for more than {$500.00} a month which I would pay in full at the end of each month. 

Finally, after 3 years, Wells Fargo decided to release the collateral and change the credit card account to an unsecured credit card. In XX/XX/XXXX, I received a letter from them stating that they would be depositing the collateral amount ( {$10000.00} ) into my checking account by XX/XX/XXXX. Unfortunately, that's not what happened. I did not receive my collateral by XX/XX/XXXX and they made me run after my money for three weeks for different excuses. Once, the check was lost in mail, another time one of the managers had forgotten to sign the check, and another time they had realized that not been able to deposit the collateral into my checking amount for some mysterious reason. I finally received the check 10 days late and after more than a dozen phone calls and follow ups. 

Furthermore, Mid-XXXX, after my credit card had changed to an unsecured card, I received a letter from the Executive Office of Wells Fargo, stating that " to manage their risk '' they've decided to close my account. I then, called every single department I could speak to, including the Executive Office, but they did not provide me any proper reason to why they closed an account with perfect payment history, no late payments, no high utilization and etc. I Spoke with probably more than 20 representatives and spent more than 24 hours on the phone with them to get an answer, but I wasn't successful. 

I spend 4 years building history and a perfect relationship with Wells Fargo and had {$10000.00} of my hard earned money sitting with them as collateral to make sure that I built history on my credit report and all of a sudden they closed my account for no good reason. This is clearly a discriminatory act by Wells Fargo since I am from the XXXX. I have been a victim of discrimination by this financial institution and want others like myself to be aware of what they did to me. I dont want this to happen to any other lawful XXXX XXXX like myself who work hard in this country and pay taxes like any citizen.
Consumer complaint received 2019-01-15
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: EQUIFAX, INC. (MI)

Between XX/XX/19 and XX/XX/19 I received a notice stating my car loan account was closed with XXXX XXXX  XXXX XXXX on my Equifax and XXXX  reports. I still have the car in my possession, my payments are current and this is my primary vehicle. I contacted XXXX XXXX XXXX XXXX whom informed me after investigation my account is positive with a balance of {$7400.00}, but there is nothing they could do for this to reflect on my credit report, and are unsure why my payments made are not reporting on my reports and this would have to be disputed immediately. my credit score declined 30 points due to this action and I am seeking resolution.
Consumer complaint received 2023-08-16
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. (SC)

Im submitting this correspondence due to the fact that the three reporting agencies have been reporting accounts on my credit report with out having written consent. Per 15 usc 1681 ( b ). This is also identity theft bc written consent was never given and also violates due process under the 14 th amendment
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by TRANSUNION, EXPERIAN and EQUIFAX. I have reached out to customer service at TRANSUNION, EXPERIAN and EQUIFAX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

TRANSUNION - XXXX BANK DE - XXXX XXXX XXXX XXXX BRKS - RDP - XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX SYNCB/WALMART - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX XXXX XXXX EXPERIAN - XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CARD - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX & XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX WORLD FINANCE - XXXX XXXX XXXX SUN LOAN COMPANY - XXXX XXXX XXXX XXXX MAIN FINANCIAL - XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (MI)

NCB management has damage my credit report after I sent a written notice pursing to 15 Usc1692c ( C ) and they failed to cease collection.

Attached is my certified receipt showing that their company representative signed off on it. 

Attached is also my second notice per 15usc1692c ( C ) I REFUSE TO PAY
Consumer complaint received 2023-08-18
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. (MD)

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 2019-01-15
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. (NC)

I have being going back and forth with the three major credit bureau XXXX, XXXX  and Experian. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from them.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

so this all starts on XX/XX/XXXX when I get a notification that someone had made purchases in my name without my knowledge after waiting to be contacted about it by usaa which never happened i reached out a representative said they could ensure a full refund so I waited the money comes in and about a day later the same person starts making purchases in my name again and I reach out to usaa for a stop payment method and everything seems good about what has to be two days later the person had somehow convinced usaa to remove the stop payment and continues buying and about a few days later attempts to have a second card made out in my name to presumably continue buying stuff
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-08-16
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-18
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account.XXXX XXXX XXXX. Please investigate and provide proof with Statements showing that these payments were late. If proof can't be provided I demand this payments be updated to on time as they should be as I was never late. I demand that this account be deleted from my credit report.
Consumer complaint received 2023-08-16
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. (TX)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In XXXX I was a victim of extreme identity theft due to Equifaxs negligence and continual refusal to correct and protect my personal information and credit resulting in many years of financial losses. The address they refused to remove from my credit file and never belonged to me matched that of the student loans originating from an individual in XXXX XXXX at the probation and parole office. It wasnt until the data breach class action suit in XXXX that Equifax finally cooperated with this removal of the address but I still fight the loans. This situation is what leaves me infuriated, helpless and terrified with what occurred last week. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX of adverse action by XXXX from XXXX XXXX advising me of denial of an auto loan applied for on XX/XX/XXXX at XXXX Auto Sales in XXXX XXXX Florida, over XXXX miles from where I live. This denial listed the reasons of too many work phone numbers and too many email addresses to approve the applicant. Neither which would apply to me. Knowing my credit has been frozen for a long time with fraud alerts due to excessive identity theft and I had not done any lifts any time recently, I immediately called the company listed on the letter, gathered all the information they could provide and checked my credit reports. Both XXXX and XXXX looked secure with no changes and no inquiries had been made. Neither had any freeze changes at that time either. Equifax, however, though no freeze had occurred since XXXX, showed a hard inquiry from XXXX on the date on XX/XX/XXXX and worse, my current address had been changed to an address I had lived at from XXXX. I immediately submitted a dispute. On XX/XX/XXXX I received the dispute results to which my hard inquiry removal was denied despite my statement of the freeze at that time. My address status was not changed. At the top of the dispute report my current address reflects what I requested and had previously reflected but below in the personal data section it had not been changed. 

Furthermore, XXXX gave me the XXXX XXXX for reporting credit agency listed on the adverse action letter, XXXX XXXX, whom Ive never heard of, and advised I reach them in this matter. I sent an email stating my concern and demanding that all information they have obtained and released on me be rescinded and that I be removed from their records. Their representative replied with a request to call her and I declined. A week later I was sent an email about an investigation that was not reassuring and slightly accusatory and threatening.
Consumer complaint received 2023-12-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (FL)

I contacted Loancare regarding a loan modification request. The company sent me correspondence with the modified loan amount and said that I had to contact them to accept or make a payment by XX/XX/2023. I immediately started to contact the company on XX/XX/XXXX and have tried to call them every business day since then. The few times that I was able to speak to a representative, I was told their systems were down and they couldnt answer any questions. Today I received a bill for {$3800.00} which is at least twice the amount of my normal payment and the statement said the payment was due XXXX. I am not late in my payments. Of course, I tried calling several times and was unable to reach anyone. I couldnt have a payment because their website has been down. I just have questions about the statement that I received today because the amount scares me. Also, I would like to know if I have my normal grace period for mortgage payments with the loan modification. I have even sent a letter by email with my concerns with no results.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.
Consumer complaint received 2023-08-16
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. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.