davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am desperately trying to fix items on my credit report. Equifax is DRIVING ME NUTS. 
1- i sent them a letter with items i am disputing in XX/XX/XXXX - NO RESPONSE ( yet emails ) 2- i sent them a letter with items i am disputing in XX/XX/XXXX - NO RESPONSE ( yet emails ) 3-they have my bankrupt from XX/XX/XXXX listed at XX/XX/XXXX. which HELLO why would that even say that -- - but i 've asked now THREE times to have this corrected. 
4- they have my bankruptcy from XX/XX/XXXX listed as " A '' liability - ive asked THREE times now for this to be explained and corrected. the other two bureaus list this as " 0 '' 5- i have SO MANY " unknown '' collections on my account. why do they list it like this???? equifax is NOT ANSWERING my requests ... yet i have this blood bath of collections on my account that say '' unknown '' -- -so as an " unknowN '' they must not be accurate bc they do n't know who they are. SO DELETE THEM 6- In response to the letters i send disputing items on my report - equifax keeps sending me emails. I did n't give them my email address. HOW do i know its even them emailing me. they are supposed to send my dispute information in the MAIL. I mailed them. i did n't email them. and again HOW did they get and subscribe me to a mailing list when i did n't even give them my email address??? violating spam laws anyone??? 

Equifax is a disaster. they have no idea what they are doing except for destroying peoples lives they should burn all the documentation they have and START OVER.
Consumer complaint received 2019-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

on XX/XX/19, I received a call from a local number stating he was a County Court Clerk server and that I was going to be served. He said it was from XXXX XXXX XXXX on behalf of Ace Cash Express case # XXXX and that I could call them regarding the matter. I called XXXX and spoke to XXXX in the legal dept. He said that I had 2 hours to make a payment of XXXX or I would be served.Said I was mailed information, which I did not receive. I told him I did not get anything. I asked for an extension he said 3 hours. In a panic, I called my family members for help.Called back and spoke to XXXX and asked if I could pay XXXX and make arrangements for the rest. he checked with attny and they agreed. My boyfriend called made pmnt of XXXX conf # XXXX. And XXXX paid by credit crd from My mom. Conf # XXXX. XXXX made me give my bank card # to pay two addl pmnts of XXXX over 2 mos. I called back today and asked for an email confirmation, and asked the names of the attny and license # 's. I know this is not a legal tactic to obtain payment. He was very convincing and I got scared into providing payment and giving him my bank card info. He said I should have received an email and that I will get one today. I called him again to get more information and I kept getting passed around and placed on hold. He said that this was in fact in the legal department but still refuses to give me attorney names. At this point, they have not only my bank card information for future payments, but my boyfriend 's and my Mother 's  credit card information. I called the original debtor Ace Cash Express and the representative confirmed the sale of the loan to XXXX XXXX XXXX and gave me their address. She said that they would not ask XXXX to file a lawsuit on their behalf and that I should contact XXXX to discuss. I believe that they are using unfair practices to collect debts, using threat of lawsuit. The first phone call I received was from XXXX, which is the XXXX County Court phone number. I now know that the court will not call you to tell you that you are going to be served, so clearly XXXX somehow was able to use the court phone number to make this appear to be legitimate. I ask that this company be looked into for using this type of tactic to collect debts.
Consumer complaint received 2023-07-01
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-01
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. (FL)

This is my fifth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-07-01
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. (CA)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

( XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-01
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-01
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 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 2023-07-01
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXX Balance : {$7200.00}.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (MO)

You have illegally attempted to run my credit for a auto loan I never applied for with your bank which is illegal. CFPB may fine Wells Fargo as much as {$1.00} XXXX : report The Consumer Financial Protection Bureau may fine Wells Fargo WFC, several hundred million dollars and as much as {$1.00} XXXX for auto insurance and mortgage lending abuses, XXXX reported, citing sources with knowledge of the plans. The fine would be the first since XXXX XXXX was named interim director of the CFPB. XXXX is eyeing a penalty that would dwarf the {$100.00} XXXX the CFPB fined Wells Fargo in XX/XX/2016 to settle its phony accounts scandal,  the report said. 

You are continuing to violate consumer rights.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I fell behind on my mortgage a few years ago due to legal issues surrounding my XXXX XXXX. I immediately began trying to work things out with my mortgage lender Wells Fargo but was met with resistance, indifference and obstruction and could not get them to review my financial information. As I fell further behind I was able to get some help from relatives and offered to bring the loan current with a large lump sum payment. However, Wells Fargo would not accept the offer because it did not include the thousands of dollars they had added in inspection, late, legal and junk fees. As a result I fell further behind and am now facing foreclosure. I have rebuilt my practice and also started a XXXX XXXX XXXX as well and make a solid living. However, Wells continues to push towards foreclosure instead of offering any reasonable alternatives for me to resolve this matter. I am looking for some help to get my file taken seriously and an accurate review conducted of my current finances by Wells Fargo. 

I have worked as a XXXX XXXX for the last 22 years, and we bought our home here in XXXX 17 years ago. I refinanced in XXXX through Wells Fargo in order to use some of the equity to invest into my business. I live in the home with my wife and XXXX daughters. In XXXX I had some legal issues and my practice suffered. I ultimately lost about XXXX XXXX of my clientele and at that time I defaulted on my mortgage. As stated, I immediately contacted Wells Fargo to try and work things out and get approved for a modification but the process was cumbersome and difficult and I could never get any traction. I was able to get some family members to agree to help me make a large lump sum payment to get caught back up on the loan but their agents refused to accept this offer because it did not include every dollar, quarter and penny of the late fees and legal fees that had been piled on my balance! I eventually hired an Attorney to assist but due to a missed court date my side of the story was never presented and I am now in foreclosure. 

As explained, I have rebuilt my practice and earn a solid living. I also started a XXXX XXXX XXXX and am making some money from this venture as well. I was recently offered a streamline modification with a monthly payment of {$5100.00} -- although I appreciate the fact that an offer was put on the table this proposed monthly payment is well over 50 % of my monthly income and not affordable. I know that there are other programs available that I would qualify for based on my current and correct financial information. I would like to see my case escalated and a full review of my current finances conducted.
Consumer complaint received 2018-06-14
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)

With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX   XXXX/XXXX, XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN 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 ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU
Consumer complaint received 2018-06-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MI)

Wired money to our son who was on a summer student program in XXXX. Correctly completed the Western Union forms and they took the fees for the transfer. When my son showed up to pick up the money, Western Union would not release the funds as they claimed his name was incorrect. His name was correct ( and matched his passport ) - apparently the root problem was they wanted a middle name on the Western Union form, hence they required information at the pick up that was not required when they took the wire transfer ( and collected fees ). As my son was stranded, it took multiple calls to Western Union to revolve. They could have fixed their mistake, several different ways, but instead refused to correct the issue until we went through multiple steps, including a call back from a manger that never happened. I want to emphasis that we were not trying to change / modify the transaction, but rather wanted them to find a way to resolve their internal discrepancy. We tried two follow up phone calls with Western Union to discuss the problems and asked for a refund - all they could do was direct me to their website. If compounded the problem that their customer service personnel appeared to be poorly trained, lacked English language skills, and did not seem have any tools at their disposal to address our issue.
Consumer complaint received 2018-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (NC)

I have XXXX  XXXX XXXX and am unable to read my Wells Fargo auto loan statements. I changed my telephone number last year and Wells Fargo did not have my new number. I was unaware that I was two payments late in my auto loan until a repo man knocked on My door and towed my car off. I immediately called Wells Fargo to update my telephone and attempt to make payment. Throughout several days of calls I explained my situation and requested that my case not be reported to the credit agencies I paid the fees and got back my car after two days but Wells Fargo said they were unable to help with the credit reporting issue. I believe their repo process is predatory
Consumer complaint received 2018-06-14
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 (TX)

Dates that we stayed were XXXX XXXX XXXX. 
XXXX XXXX XXXX in XXXX, Texas. 

I originally booked through XXXX and paid {$490.00} for XXXX XXXX. This charge was ran twice before I even arrived. On the 4th night of our stay I needed to extend for one more night. We decided to downgrade after I have a charge of {$150.00} overnight to stay in the same hotel room. As I was being checked into our new room I had a charge of {$140.00} show up on my bank account from XXXX XXXX. I complained to the GM once again about how the agreed upon rate was {$85.00} plus tax. She apologized and said that the difference would be credited back. The next morning I had a charge of {$140.00} pending on my debit card and {$150.00} pending on my credit card along with {$630.00} pending on my credit card. That is over {$1000.00} of charges FOR ONE NIGHT AT THE XXXX XXXX. 

The GM assured me that I would be credited back or I could dispute the charges with my credit card company. I disputed the charges and called the GM to let her know. Once again, the {$630.00} charge came back out of my credit card account. This erroneous charge has put me over my credit limit this whole time I've been trying to resolve this. I have documentation showing the incorrect charges and documentation showing the manager credited the last night stay for free due to all of the financial troubles and incorrect charges they made. 

THIS IS FRAUDULENT. This hotel is completely incompetent. I have never seen such horrible customer service and I am literally having my money stolen from your hotel. This is absolutely unacceptable and I expect to be fully credited back IMMEDIATELY.
Consumer complaint received 2018-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (VA)

I did a money transfer using Western Union from my personal savings account through XXXX. 

I received a MTCN number from XXXX saying my money is been released and I could pick it up. I am currently on travel in Texas. 

I have completed this action before without any problems. However, Western Union is asking for additional verification and a copy of my identification to be sent to their offices. My financial institution knows it is me-i then asked a Western Union to cancel the transaction-but they refused indicating I still had to provide identification. 
I want to cancel this transaction in its entirety under MTCN # XXXX.
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

From my XX/XX/XXXX to XX/XX/XXXX statement, my excess payment was applied toward a promotional balance, which has a 0 % APR instead of my regular purchase balance, which has a 17.40 % APR. In fact, my regular purchase balance went up from {$2400.00} to {$2900.00}, while my promotional balance went down from {$9600.00} to {$7800.00}. I spoke to a XXXX with account executives at USAA on XX/XX/18 and he stated that this was merely because of new purchases, which still makes no sense.