davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
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)

This is a formal complaint that I am reporting inaccurate and an incomplete credit information on my report. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts and inquiries that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts I demand to see verifiable proof ( Original Signed Contract ) that you have on file for the account listed Below inquiry ( XXXX XXXX - ) ( XXXX XXXX XXXX XXXX ) Your failure to positively verify these Account has hurt my ability to obtain credit under the FCRA unverifiable accounts must be removed and if unable to provide me a copy of verifiable proof you must remove the account listed below I Demand that the following Account to be removed immediately I do not have any responsibility for the Account youre trying to collect review of account information showed several redacted pieces of information as well as information not belonging to me I have been a victim of identity theft in the past this is on going if you have reason to believe Im responsible for this debt mail me the documents that make you believe that. stop all other communication with me with this address and record that I dispute having any obligation for this Account if you forward or return it to another company please indicate that this account is being disputed In addition please remove all non-account holding inquiries over 30 days old have Submitted documents and other required information to confirm that this Account does not belong to me Under federal law you have 30 days to complete your reinvestigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is herby requested as well, to be provided within 15 days of the completion of your re-investigation below i have also attached a copy of my identity theft report
Consumer complaint received 2018-12-27
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GREAT LAKES (IL)

I received a call at work from this collection agency claiming to be attempting to collect a student loan debt about a month ago. I immediately told the representative not to contact me at work and that the amount alleged owed was in dispute. I further requested verification from them in writing of the alleged debt. This was about a month ago. Despite me telling them not to contact me at work they have continued to do so twice, including today ( XX/XX/2018 ) from someone who identified himself as XXXX at approximately XXXX. Central time. In addition when speaking to the receptionist at my work the representatives have given the name of the company as XXXX XXXX XXXX XXXX, which anyone can XXXX  and see it a debt collection agency. Perhaps the most egregious thing this agency has done was to send a letter to a general fax number stating that they were requesting employment verification for me. They included my social security number and ask about my income. This letter was left on a general fax machine where anyone could have and did see both my social security number, the agency and their request about my income. This fax was sent at XXXX. central time so the company should have reasonably known that sending a fax with that personal information likely would not have been retrieved until the next morning meaning anyone, including random office cleaning staff would have had access to my social security number. Furthermore I still have not received the verification I requested. I believe that all of these actions are in violation of federal law and was done solely to repeatedly harass me.
Consumer complaint received 2018-07-12
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 (FL)

I have multiple inquiries from XXXX XXXX showing on my Credit report and I have tried multiple times to have them removed. I have been given the run around no one ever responds and the Credit agencies request I contact synchrony for a letter of deletion. 


Inquires date : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/walmart XX/XX/XXXX ( promised by rep after preapproval that i wouldn't get a hard inquiry on report )
Consumer complaint received 2023-07-07
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. (AL)

I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, I have not received any response from Equifax regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to resolve this issue. 
I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : ( Account with Late Payment Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that Equifax removes the late payment from my credit report. ) ( Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX Issue : This account does not belong to me, and I request that Equifax removes it from my credit report. ) ( Account Not Mine Account Number : XXXX Company Name : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Issue : This account is not mine, and I request that Equifax removes it from my credit report. )
Consumer complaint received 2018-12-13
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. (MO)

I am filing this complaint because Equofax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-07-09
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. (FL)

I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1500.00}
Consumer complaint received 2018-12-27
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COAST PROFESSIONAL INC (IL)

I received a call at work from this collection agency claiming to be attempting to collect a student loan debt about a month ago. I immediately told the representative not to contact me at work and that the amount alleged owed was in dispute. I further requested verification from them in writing of the alleged debt. This was about a month ago. Despite me telling them not to contact me at work they have continued to do so twice, including today ( XX/XX/2018 ) from someone who identified himself as XXXX at approximately XXXX. Central time. In addition when speaking to the receptionist at my work the representatives have given the name of the company as Coast Professional , Inc, which anyone can XXXX  and see it a debt collection agency. Perhaps the most egregious thing this agency has done was to send a letter to a general fax number stating that they were requesting employment verification for me. They included my social security number and ask about my income. This letter was left on a general fax machine where anyone could have and did see both my social security number, the agency and their request about my income. This fax was sent at XXXX. central time so the company should have reasonably known that sending a fax with that personal information likely would not have been retrieved until the next morning meaning anyone, including random office cleaning staff would have had access to my social security number. Furthermore I still have not received the verification I requested. I believe that all of these actions are in violation of federal law and was done solely to repeatedly harass me.
Consumer complaint received 2018-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

After submitting a complaint regarding an uncompleted loan modification that was ongoing for several months, I submitted a complaint through the CFPB. U.S. Bank finally responded and corrected the problem and we got corrected paperwork and the loan modification was completed in XX/XX/2018. They also changed my credit reporting to show that I am NOT behind on any payment. However, my statements are still reflecting the old balance and that I am several months behind payments. The loan modification balance and payments are not reflecting on my statements. I have asked several times about this and it has not been resolved. Because of this, I'm unable to see my current balance and how my payments are being applied.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On my report are old address that are not mines and I ask several times to remove those that are not associated with me and the refuse to do so. Then show the amounts saying owed and it's not suppose to so amount for anyone to see and know inaccurate information. Transunion, XXXX, as well as XXXX they are not even real credit bureaus with a .com at the end of their names in my opinion. They should be stop from doing this and putting wrong SS # on my account and linking them to me when ask to remove they say oh its your SS #.
Consumer complaint received 2023-07-07
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. (TN)

There's information on my credit report that is not accurate and i would like it to be removed asap. Its stopping me for getting a home and car and it needs to be removed asap. 

XXXX  XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( 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 2018-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ashwood Financial Inc (TX)

Keep calling to collect debt for unknown person. Ask for " XXXX ''. No one I know. Keep calling over and over and over despite asking to be taken off their calling list. They hang up as soon as I ask to be put on their do not call list. Now they are blocking my calls to them. These calls are harrasment. Scammers?
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (NC)

I was told after 6 months my credit card will be switched over to a regular credit card and the deposit I paid will be mailed back to me well after the 6 months I called and they said its 7 months so it been 7 months and still havent heard anything from discover im very upset with discover
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received an email that an unauthorized checking account had been opened at Bank of America. I am not a current customer of Bank of America but did have an auto loan with them several years prior. I called the bank and was able to have the account closed however I am concerned that they may be the ones responsible for the fraudulent opening of the account in the first place.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WA)

This Monday ( XXXX ), we used ATM to deposit money at U.S. Bank on XXXX XXXX. 
I had my brother run an errand because I was working. 
But machine malfunction did not deposit money, and I did not get the money back. 
My brother went into the bank and asked the clerk while showing him the receipt. 
The bank clerk told my brother that there were several problems like this today. 
It will be deposited in a day. I came home believing that. 

However, there was no change in the bank account the next day ( Tuesday ) morning. 
I called the call center on the receipt, but I couldn't speak to the manager and the call center employee said the money to go in ten days. 


I asked you to deposit the money today because I needed it, but the clerk said no and told me to wait 10 days. 

When I asked a call center clerk if I could speed up the process, I was told that I couldn't guarantee it. 
I was so frustrated that I asked my brother to do me a favor.I asked him to go to the bank for me. 
( Because it was time for me to go. ) But equally from my brother who went to the bank, I couldn't get the answer I wanted. 
The bank employees said they would not be fined if they visit where they should pay ( here and there ) and explain the situation. 

I think it is wrong for them to make a mistake and pass on the damage to customers. 
This problem is worrying and discredited, time-consuming and they have to compensate in any way. 

I waited one day. Believed them, I visited the bank yesterday ( XXXX ) and I trusted them again waiting for another day again. 
Now I can't wait and not just follow them. 
They have to compensate enough and I'll get it about this problem.
Consumer complaint received 2018-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/18 I contacted synchrony in regards to an account from XXXX that they never sent any information on or the card. They stated they mailed the card to an address that's not mine and admitted they recorded the card was mailed back by the USPS and never activated the account due to this. The supervisor " XXXX '' in Kansas refused to mail me ANYTHING about the account after numerous requests. I asked for any and all documents regarding the account but was hung up on by this supervisor. 

Never once in any of contact did they verify who they were speaking with or verify my address, new address, anything AT ALL. I could have been an identity thief, they didn't care. They refused to close the account, they refuse to mail me ANYTHING, and hung up on me when I said they were breaking federal laws.
Consumer complaint received 2018-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX, XXXX, is the Trustee for XXXX XXXX XXXX XXXX XXXX  Pass-Through Certificates Series XXXX and is in the process of evicting us from our home. This eviction is based upon an illegal foreclosure and sale that was carried out by Wells Fargo Home Mortgage ( ASC ). The fraud centers around Wells Fargo Home Mortgage leading us into default without our knowledge in order to qualify for a loan modification in XX/XX/XXXX. They told us to stop making payments in order to qualify for a loan modification. They had no intention of making a loan modification. Wells Fargo Home Mortgage was the agent for XXXX XXXX, XXXX, and it is not known whether they were simply following the instructions of XXXX XXXX, XXXX The complaint against XXXX XXXX, XXXX, is that they have been informed some time ago about the illegal foreclosure and sale of our home and they continue their efforts to evict us. The are aware of many acts by their agent, Wells Fargo Home Mortgage, of fraud and tactics they used in servicing our mortgage and countless others. What isn't known at this time is the involvement of XXXX XXXX, XXXX, in the acts that Wells Fargo Home Mortgage inflicted upon us and other homeowners. This includes the placement of our mortgage ( predatory loan? ) into a government guaranteed trust. It also isn't known if XXXX XXXX, XXXX was giving instructions to Wells Fargo Home Mortgage as their agent in the fraudulent acts that they committed. 

I am a XXXX year old XXXX veteran with an XXXX XXXX and the acts of Wells Fargo Home Mortgage and possibly XXXX XXXX, XXXX, caused me to lose my company, income, my company stock, my company retirement, and I was forced to file bankruptcy in XX/XX/XXXXto protect my home from foreclosure. I am simply looking for fairness in my losses and get my house back.
Consumer complaint received 2018-12-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

Citi Bank promotion reward not paid out as all requirements were met. Deposit {$15000.00} for 60 days, receive promo reward 90 days thereafter. I deposited the full amount in XXXX and was due the {$400.00} on XXXX XXXX. That amount has not been paid to me.
Consumer complaint received 2018-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NY)

I can send copies of the trial payments a little later, I am not home at the moment, My problem,,, I fell behind at seterus mortgage and after talking to them they agreed that if I make 3 trial payments on time my mortgage will be permanently modified. 
Sent in payment 1 and got a letter saying the funds were insufficient and placed in a suspense account, Same day got a letter saying my loan was sold to XXXX XXXX. 
I'm afraid that seterus is using this strategy to negate the lower trial payment agreement and forclose. 
Thanx.
Consumer complaint received 2018-12-13
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. (WI)

XXXX XXXX XXXX  XXXX Payment Status : Paid Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This account was to be removed from my report and to date it has not been completed. I can no longer request Equifax investigate the issue as they will not reinvestigate. Because the item has remained on my file it has impacted my obtaining credit as the vendors have specifically mentioned this item. Please remove this from my file.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

HSBC refuses to acknowledge or provide a date when funds of {$10000.00} will be returned to XXXX XXXX on a requested closed account over 5 months ago. The letters provided. are outdated, disconnected and unrelated to the return of funds. 

The first form letter dated XXXX XXXX was addressed to me, but not sent to me directly and received on XXXX via CFPB, mentions processing time takes 60 days. In my case over 120 days have passed with no resolve and no explanation. And for closure, I was told the account was closed sometime in XXXX. The letter provided is so vague with no accountability enabling this saga to go on forever. This letter mentions a check will be sent once closure occurs. Closure of what? 

The second letter brings XXXXXXXX XXXX XXXX into the complaint. HSBC was told in an XXXX conference call that this is an issue better them, HSBC, and XXXX XXXX. They provided the bank action and HSBC accepted the funds. 

The letter from XXXX XXXX in the attachment is all they will provide. If HSBC feels this is important, they need to call XXXX XXXX XXXX to fulfill their Bank-to-Bank requirement and leave out the customer that has no authority in directing the actions of a bank.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( 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