davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
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. (OH)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX. XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Consumer complaint received 2020-08-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MD)

I submitted an application to refinance my condo in XX/XX/2020 with US Bank. I have not closed on this loan yet. They ordered the wrong appraisal and had to do another appraisal which took many weeks. I still have not received a copy of the appraisal. I have not received a conditional approval. I had to order a condo questionnaire and they gave no guidance as to the type questionnaire to order. No form was sent to me. I ordered the approved US bank condo questionnaire and it cost {$300.00} and now they are asking for a different form. Again with no guidance. I am at a loss as to my next step. I have asked for the supervisor to call me on several occasions and no calls.
Consumer complaint received 2020-08-25
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: TD BANK US HOLDING COMPANY ()

Hi there, I just checked my credit score on XXXX. My credit score was XXXX points and my new updated score is fall by 55 points as XXXX points now. I am good with pay off my credit card on time. I never miss any payment. When I checked details of credit report.And, I got to know that someone pulled my credit report without knowing me. The company name is TD auto finance. Please help me to get my credit score back. It is supposed to go higher this period. But it falls below 55 points.
Consumer complaint received 2021-08-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (WA)

Mobiloans charges usurious interest rates and fees. They try to hide under the tribal cloak to avoid following state law. I called to see if I could set up a payment arrangement/hardship program to potentially lower interest or stretch payment out and they said that they do not offer this and would have to make full payments when they are due.
Consumer complaint received 2020-08-06
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. (NJ)

Equifax and XXXX should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-10-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo XXXX has a deed of trust recorded against my primary residence at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. It is for a line of credit ( LOC ) with a credit limit of {$64000.00}. 
I have never used this LOC, have never received a statement about it, and have since paid off all other mortgages on this property. I am seeking to get a reconveyance or payoff statement from Wells Fargo so we can open another HELOC with another bank, XXXX XXXX XXXX  in WA State. XXXX XXXX XXXX  will not go in a junior lien position to this existing Wells Fargo LOC. 
We have tried for several weeks to obtain the LOC account number through Wells Fargo at the consumer level, home mortgage level, XXXX loan servicing level, and branch level, with no luck. 
Yesterday I was advised by a Wells Fargo employee to file this complaint as " the only way I have seen people get a response '' to such a request. 
Wells Fargo apparently has no mechanism for obtaining an account number or delivering service to an existing customer, unless that customer already has the account number to share. 
I held off until our local escrow professional contacted Wells Fargo with a signed Authorization to Release Information document from my wife and I, and she met with the same response. She requested I file this complaint as well. 

I will attach the Deed of Trust that was recorded in relation to this LOC. 

***All we need is for Wells Fargo to look up the account and give me the account number. *** We have no record of it otherwise.
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.
Consumer complaint received 2021-08-05
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: Experian Information Solutions Inc. (NC)

There is some arr, s on all three credit bureaus XXXX  and XXXX  and Experian XXXX XXXX XXXX, s all three collage, s over charged me for class, s I did, t take and one of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at XXXX XXXX in XXXX and at XXXX XXXX XXXX  online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, s that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, s and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, s XXXX  XXXX XXXX  onlne.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WESTERN UNION COMPANY, THE (PA)

I had XXXX tryin to get my money from westenunion for the pass 5.1/2 month for the amount of {$670.00} cent.the deposit was {$710.00} but they cash it and that's it's the amount naw of {$670.00} cent.they had liey to me on deferens occasion abaute sendden me a check.i also call social security becuse they tell me after all them liey that they send the money back to the sender and No. Another liey.i want my money Naw I also lost my residence becuse of it.please get back to me at sonn a possible.my name is XXXX XXXX.thank u.
Consumer complaint received 2021-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There is some arr, XXXX  on all three credit bureaus TransUnion and XXXX  and XXXX XXXX XXXX XXXX, XXXX all three collage, XXXX over charged me for class, XXXX I did, XXXX  take and XXXX  of the collage was XXXX XXXX XXXX in XX/XX/XXXX up to XX/XX/XXXX and at XXXX  university in XXXX and at XXXX XXXX university  online in XX/XX/XXXX up up to XX/XX/XXXX they had put me on ackademick probation because of the latter or what not and i had to withdraw because i had to of my uncal, XXXX that died in back to in XX/XX/XXXX and the review board said I had to right them a latter about what had happed to my two XXXX, XXXX and I did but they would not take what i tryed to expland them i the latter but the review board turned down my latter and put me out of school and that is why I'm fileing a complaint agent, XXXX XXXX  XXXX university onlne.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (MA)

I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.
Consumer complaint received 2021-08-25
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. (MD)

Equifax have violated my consumer rights. According to 15 USC 1692g and 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) Equifax have reinserted negative items onto my credit report illegally. I demand that the negative items that was previously removed be deleted and blocked. It is illegal for Equifax to keep the negative accounts from XXXX XXXX on my file without any written notice of reinsertion. I know my laws and I will make sure they are enforced. Attached is my credit report from last month and this month to show the accounts was not there in XXXX but is there in XXXX
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: AMERICAN EXPRESS COMPANY (NJ)

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 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

There is a 30 day late payment reported on my XXXX  and XXXX  report and a 60 day on my Equifax. I believe this report is in error. I have reached out to Disputes PO box provided by XXXX XXXX on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years.
Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue.

Contacted bank again that day, was told need to escalate case will hear back in 24 hours, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then tr
ansferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute.

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and
" we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be
connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

Reli card/Us bank sent a card to my previous address. Due to me filling for unemployment compensation How ever the card Was stolen and use fraudulently. I sent all information and documentation to the contrary!! And they admitted to the mistake! And sent me a provisional credit for half of what was stolen.Over {$4000.00} was stolen from me! THEY made the decision to only return half. Please help totally robbed then victimised!
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I have a loan with GATEWAY 1. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and GATEWAY 1 with no successful resolution. XXXX XXXX XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Consumer complaint received 2020-08-25
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. (MO)

My identity was compromised by a number of sources inwhich resulted in fraud on my credit file via the dark web and the XXXX breach inwhich is the root of this problem. Please remove and block the following unknown and unauthorized accounts. 

1 ) XXXX XXXX XXXX {$470.00} 2 ) XXXX XXXX XXXX {$760.00} 3 ) XXXX XXXX {$2100.00} 4 ) XXXX 5 ) XXXX XXXX 6 ) XXXX/ XXXX XXXX 7 ) XXXX XXXX XXXX  {$83.00} 8 ) XXXX XXXX {$760.00}
Consumer complaint received 2021-08-04
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. (NY)

On XX/XX/XXXX and XXXX of XXXX fraud was committed on my Priority checking and savings accounts at XXXX. I was outside of the country when the theft, in the amount of approximately {$700.00} occurred. ( {$5000.00} was transferred from my savings to my checking but not withdrawn ). I called XXXX and was connected to the fraud investigation department who closed my accounts and opened new ones to be verified once I returned in XXXX and visited a branch. However, in XX/XX/XXXX my accounts were closed - due to my not signing signature cards! Once I returned to the States in XXXX I found two checks, {$95000.00} and {$5600.00}, along with several notices from XXXX in the mail claiming I owed money for a checking plus line of credit account! I never authorized or needed a line of credit with XXXX and I never made transactions at XXXX where I'd need it. That unauthorized line of credit was used during the commission of the crime to transfer money from my savings to my checking account! I never knew it existed until the theft occurred. I visited several branches of XXXX and spoke to several managers who all concurred that it was indeed a bank error. I was assured by the XXXX " back office '' over the phone that a letter would be forthcoming to send to the three credit reporting agencies which was never received. To date, my credit score has plummeted due to XXXX 's false claim. I am XXXX years old and ready to retire. My credit was exemplary before this fraud occurred on my accounts. XXXX did not protect me or my funds. For XXXX to arbitrarily close my accounts, claim in their records that I REQUESTED to close my accounts in XXXX while I was still outside of the country, and then mail me a letter stating my accounts were closed because I " failed to sign signature cards '' let me know that there is no communication between the new accounts and fraud investigation department. That checking plus line of credit was used in the crime and should have been seen as such. I was in the process of purchasing a retirement property and lost the opportunity to buy due to XXXX 's negative reporting to the credit agencies. I want my name cleared and charges brought against XXXX for an interruption of my life, causing me stress and aggravation with harassing phone calls and false records, not to mention ruining my credit making me unable to move forward with virtually anything! Your assistance is needed and appreciated.
Consumer complaint received 2023-04-15
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

Earlier this month ( XX/XX/XXXX ) I pulled my consumer report and notice that an account that shows as a collection ( placed on my consumer report XX/XX/XXXX, account XXXX ) is still being negatively being reported on my XXXX consumer report. I have tried countless times of communicating with the both of these companies pleading that this account does not belong to me ( XXXX and XXXX Collections & Outsourcing ), however I have no response. I, hereby state as a natural consumer have never authorized or gave consent for this alleged collection that is misleading and inaccurately reporting by this company. I do not recognize this alleged collection, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged collection, Fair Collections & Outsourcing has not responded nor sent me debt verification. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged collection has been placed on my consumer report shows that I am not protected as a consumer from XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family. I do not know where this alleged collection has come from. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e. I have sent in a debt validation letter for the company Fair Collections & Out to send me any evidence or proof that I signed or consented to this alleged collection or given any evidence requested on my behalf on how this collection belongs to me. I will conclude that Fair Collections & Outsourcing is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged collection. Apparently, Fair Collections & Out company has a distressing reputation of alleged debt reporting against consumers and repeatedly breaking the law of reporting on consumers, per the 2015 case Jarzyna vs. Home Properties, et al., whereas Fair Collections & Outsourcing was charged with violating the Fair Debt Collection Practices Act.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I was trying to buy a home to better me and my families lives and i realized there were some damages on my credit report. I have already been in breaches and I thought you all were going to protect my information. This is a defamation of character because it is affecting my livelihood. Now me and my family are being negatively impacted which is affecting my emotional and mental state. 

According to- 15 U.S.C & 1681 you guys have broken the law because these damages are definitely fraud and I am trying to move forward.