davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting 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. (CA)

I locked my credit report and placed my phone number on my credit file in case someone tries to use my social security number. TransUnion refuse to investigate my inquiries. I request copies of written documents and applications but they are giving me the run around, and doing everything in their power to not help me. I ask for a supervisor and they refuse to do anything but read from a script.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I have an unauthorized withdraw from my company checking account for the amount of {$4000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} ( But ONLY this amount was returned on the following date, XX/XX/XXXX. 
Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} I called Chase bank many times, but they haven't been able to help me or return any of these funds!! The only funds that I received back was on XX/XX/XXXX for the amount of {$1300.00} All the other unauthorized withdrawals for the total amount of {$10000.00} are still out of my account. I need this amount to be returned into my account
Consumer complaint received 2020-08-25
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: WELLS FARGO & COMPANY (DC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION (IL)

Had taken out a payday loan/installment loan on the Check N Go location on XXXX XXXX XXXX location in XXXX IL. I had to ended up filing Bankruptcy on the loan some years after ( payments were made on the loan ) due to loss of job and change of income and relocation and excessive debt. I contacted the XXXX hotline to inquire if any payday loans had been taken out without my persmisson and system stated/representative informed me that the loan was not closed out under my bankruptcy protection. I have the creditor listed under my Chapter XXXX bankruptcy which was filed and discharged back in 2015. I recently went into the location of lender and was informed that they were not able to give me any paperwork stating that the loan was taken out or anything showing the balance in which I had taken the loan out. I needed something from the location of the store so I could have something to show that I had indeed had the loan and that it needed to be closed out. I called the customer service number in which I was given and was informed that I do not believe was a valid department for the lender. I need to make sure that the account is closed out or given something that shows the account number so I have it updated that it was closed/marked under my bankruptcy. When I asked the store associate for information. The associate informed me that they were not able to give me any information and to call customer service.
Consumer complaint received 2021-02-05
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)

During my XXXX divorce, I was left with an XXXX balance on a XXXX credit card and no way to make the payments. XXXX reached out with a settlement offer about the same time as I was considering bankruptcy. I consulted with XXXX XXXX of XXXX XXXX about what would be the better option for my credit report. My plan was to obtain a mortgage and purchase a property to flip and start to support myself, so I wanted to impact my credit the least amount possible. Mr XXXX drafted a letter to accompany my check requiring XXXX to agree to delete all negative reporting info in exchange for cashing the check .... or that they needed to return it. The letter was crystal clear. It was sent and even cashed by XXXX before the deadline they gave me. 8 months later, XXXX is still reporting it as a charge off and settled for less than amount owed. Clearly negative info. They have been contacted several times by both Mr XXXX and myself, but they decline to return the calls. Mr XXXX has drafted FIVE letters over the last 8 months to each of the 3 credit reporting agencies and enclosing copies of the same items for them to review. All we get in return is a form letter saying the info has been verified as accurate. Clearly providing them proof of the agreement isnt helping. I have lost out on several different properties due to the impact this item is having on my score. It is the only negative mark and causing me to be offered a rate 2x the regular one. The letter clearly stated that by cashing the check, they agreed to the terms and that if they did not, the deal was not ok with me.
Consumer complaint received 2018-12-11
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: EQUIFAX, INC. (MI)

This is my third compliant to you. You have not resolved the original issue I had with the credit reporting agencies. As I stated in the last two complaints, I sent 3 dispute letters to XXXX, XXXX  and equifax disputing items on my credit report. You as well as the credit reporting agency repeatedly ignored the FCRA. You as well as the credit reporting agency has not produce any documentation proving the said items belongs to me. You as well as the credit reporting agency constantly states that the furnisher has verified the said disputed items. Who is the furnisher? How did they verify? Where is the original signature page, which provides proof items belongs to me? You both have failed numerous times to produce proof of said items. I am beyond anrgy that this is still not resolved after four months. I want to see your proof, which must be the original signature page of the allege contract as required by the FCRA.
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MA)

I was scammed by a person impersonating a member of the band XXXX. They sent me very convincing material that let me to believe I had been invited to a meet and greet. I suffer from XXXX XXXX and XXXX so in light of being a relatively smart person, I took the bait. They were incredibly convincing. I had two wire money to two different accounts at Wells Fargo. I was also given a 3rd account at Wells Fargo and I also had to send money to a XXXX bank. My bank has gone to Wells Fargo to try to retrieve the wires but of course the accounts are closed. I didn't have much hope for the money being retrieved but I would like to hold Wells Fargo accountable for having multiple ( potentially hundreds, thousands ) of personal bank accounts that are only open to conduct scams and fraud. I had to wire money in the amount of {$3000.00} to a Wells Fargo account on XX/XX/XXXX to a Wells Fargo in XXXX XXXX. On XX/XX/XXXX they had me send {$1300.00} to a Wells Fargo in XXXX XXXX. I have spoken to Wells Fargo. They are very pleasant but openly admit that they are aware they have multiple fraudulent account holders. How can they be aware of this and not do anything about it. My bank manager said in some cases you can just open an account on line. If there are accounts being open and closed with large wires coming into them there should clearly be a red flag that these accounts are conducting internet fraud. I was first approached on XXXX by a person with the XXXX handle XXXX his email which has an IP address in CA is XXXX. I was also sent a meet and greet invitation by " his assistant '' her name was XXXX XXXX and her email was XXXX both of them had the IP address XXXX I was later approached by a fake XXXX singer claiming to be XXXX and he knew all about the meet and greet and couldn't wait etc. his XXXX handle XXXX email XXXX ip address XXXX. I have reported this to my own bank. They have told me that they can no longer help me. I have filed a complaint with two local police departments. The FBI, The attorney general in CA as well as the XXXX. Wells Fargo has sent me correspondence and I know that they have {$5000.00} they are a huge bank. I don't want this to happen to anyone else. This was one of the worst experiences of my entire life. If I can help just one person, I hope I can prevent this from happening for them.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (IN)

I TOOK A LOOK AT MY CREDIT FILE AND NOTICE THERE WAS A COLLECTION FROM PRO COLLECT, THAT does NOT BELONG TO ME. I SENT A LETTER OUT TO THEM IN REGARDS TO A FRAUDULENT COLLECTION I FOUND ON MY CREDIT FILE AND TOLD THEM THAT WAS DONE FROM AN IDENTITY THEFT, I HAVE NO KNOWLEDGE OF ANY SUCH DEPT I HAVE WITH PRO COLLECT AND ASK THEM TO PLEASE DELETE THIS COLLECTION FROM MY FILE AND THEY HAVE REFUSE TO DO SO. I JUST FILED A COMPLAINT WITH THE ATTORNEY GENERAL OF XXXX TX YESTERDAY AS WELL.
Consumer complaint received 2021-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NC)

My escrow was {$2900.00} in XXXX. Then XXXX was removed for property tax and XXXX for property insurance. Then they said I have a XXXX balance, which should be around {$300.00}. Then I paid XXXX to add XXXX and then paid XXXX to add XXXX. They stated XX/XX/XXXX that my escrow balance was only {$62.00}. 

They have taken {$800.00} from me and will not add it back to my account. I've called them and they say the will look into it and call me back.
Consumer complaint received 2019-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/2018, I rented a car from XXXX XXXX XXXX XXXX at XXXX airport,  Florida. The man that worked with me didn't mention or offer toll road charge prior to my rental. It was my first time being in the state of Florida so I didn't know anything about toll road. Nothing in the paperwork that I signed that state about the toll fee charge. I received the car and drove out and got on the way to where I wanted to go. I saw a XXXX sticker on the inside of the windshield on the driver 's side. I just thought that it was good to use since nothing was mentioned during the paperwork. I drove the car for the total of 3 days. I returned it on XX/XX/2018. At that time, they didn't even mention or ask anything about the toll charge. Until 2-3 weeks later, I received mails stating that I have to pay the toll fees, which I had no clue that I need to pay for. XXXX XXXX XXXX XXXX charged my bank account by the amount they claimed that I owned them. My bank thought it was a fraud because I live in California and the payment was charge outside California, so they void my credit card as fraud, and is was the reason that XXXX XXXX XXXX XXXX is trying to reach me through XXXX XXXX XXXX to collect the money as debt. As a customer, I need to know what fee XXXX XXXX XXXX XXXX will charge me other than the car rental fee. I will not pay anything until I have the answer from XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-07-17
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: SYNCHRONY FINANCIAL (IL)

I received to hard inquiries dated on XX/XX/2018 and XX/XX/2018. I was unaware of this inquiry because I never applied for a loan with Syncb/CareCredit. I reached out to the company in regards to the situation and they quickly removed the credit from my report however, both inquires are currently causing damage to my credit score and I would like for them to be removed due to identity theft.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/XXXX and XX/XX/XXXX someone tried to gain access to my account. They fraudulently tried to use someone else bank account to pay off my balance and then use the available balance on the card. I was notified that my card had been restricted when I saw the same thing on several of my other credit card accounts. I made a police report and was told that this is a scam that had been going on. I notified Capital One and told them that I would be producing a police report shortly but I could n't because at the same time my city ( XXXX, Alabama ) had been locked out of their systems by a hacker who was demanding ransom and they could n't put any police reports into the system or even get into the system for that matter. As soon as I was able I got what I needed and sent it to capital one. I also turned over other police reports because I have been a victim of fraud several times before and I try to keep a close eye on my credit reports and things of that nature. I was told that I needed to pay down my balance and that after that they would re-authorize my card. I did exactly what I was told to do only to be told that they would not be reopening my account even though they had all the evidence that it was not my fault and that I was a victim.
Consumer complaint received 2017-11-02
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: ALLY FINANCIAL INC. (NJ)

Ally closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on XXXX and XXXX.
Consumer complaint received 2023-01-24
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. (NY)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-08-25
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: ERC (FL)

I have a loan with ERC ( Original Creditor : XXXX XXXX XXXX ) and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ERC ( Original Creditor : XXXX XXXX XXXX ) and XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

Fro the last 4 months we have been attempting to refinance our current mortgage with Mr. Cooper ( mortgage company ) to get a 15 year fixed at 2.5 %, We are currently paying them 5.7 %. We have a HELOC with XXXX  XXXX XXXX and Mr. Cooper does not like the XXXX note because it has language around negative amortization. XXXX XXXX XXXX wrote two letters on our behalf to Mr. Cooper stating that the negative amortization does not apply to us, and Mr. Cooper is still rejecting it saying that it does. We want to meet with Mr. Cooper, and XXXX XXXX XXXX is willing to as well, but Mr. Cooper refuses to stating that their underwriters do not meet with anyone. At this point I suspect they are stalling because they simply do not want to give us a lower rate. They have not given us any other reason and refuse to meet with us. They are also not returning any of our phone calls. Their AVP refuses to get involved as well.
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal e-mail : XXXX On XX/XX/XXXX I sold a XXXX XXXX   XXXX through XXXX and was paid through PayPal for the total amount of {$1900.00}. I shipped very quickly and the buyer received the item on XX/XX/XXXX. He fraudulently charged with his financial institution. However, on XX/XX/XXXX PayPal notified me that I would keep the money as the buyer had charged back fraudulently after receiving the item and I was covered under seller protection. However, they also permanently limited my account on XX/XX/XXXX saying I could no longer do business with them while holding the $ XXXXin my account for 180 days. In some cases, I can understand why PayPal may need to hold the money for 180 days in the case of Chargebacks, but a final decision has already been made in regards to this case so there is no possibility the {$1900.00} will go anywhere. I contacted customer service many times and the only reason I got for the permanent limitation on my account was for security reasons. This is incorrect as all the money in the account has been finalized. I do not believe I should be punished for a buyer who commits fraud. Also, I can not possibly have my money held for 180 days for no good reason as I have bills that need to be payed! PayPal has no right to hold my money. This is also a significant amount and happened even after I submitted personal identification, proof of shipment, and receipt of purchase.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

Closing for refinancing with Citimortgage was targeted for XX/XX/2020 for the amount of {>= $1,000,000}. Loan Office XXXX XXXX NMLS ID XXXX was in charge of the loan. 

I discussed with him and his supervisor that the loan amount was supposed to be for the original loan amount of XXXX and I was planning to pay for closing and not to add to the cost of the loan. Also wanted clarification on the numbers. 

I was advised this would happen over 2 days and since then the closing was delayed and there has been no resolution on the matter. 

I paid for appraisal and lawyer fees to Citi and am not able to resolve to problem even after every effort by phone and email.