davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

Last year, I had a checking account with Wells Fargo Bank, and I was provided a check from a client, who i had listed a property for. I proceeded to use the mobile deposit, and waited for the check to clear. The client was ALSO a Wells Fargo client and the check provided was a Wells Fargo Check, a few days later, i come to discover my account is in a negative {$1500.00} balance. I saw online that the checked was returned and I immediately thought it was due to lack of funds from the check writer, when in fact it was simply because I had not ENDORSED the check. I went and told the check writer the scenario and he assured me that he did have the funds and proceeded to give me another check. He advised me to deposit the checks, and whichever one will go through will be the one credited, and IF both checks are credit, i would simply return the additional money from the additional check back to him. Wells Fargo, then credited the checks, then immediately withdrew the whole amount AGAIN and told me that they were going to close my account FOR FORGERY. I went into a branch, spoke with a representative on the phone for over 2 hours with a live rep in the XXXX branch, where they even had a CALL WITH THE CHECKWRITER HIMSELF to confirm he in fact wrote both checks, and he confirmed it on the speaker phone and conference call while i was sitting at the branch. They corrected my balance and said everything was fine and I even got the letter in the mail in XXXX well after they had advised me they were closing my account for fraud / forgery. Wells Fargo then accused me of FRAUD AND CHECK CASHING FRAUD AGAIN for the second time, after i spent all that time with them at the branch and after they had concluded the matter, I have now multiple warnings and derogatory information on my credit and depository profile, from XXXX  and XXXX XXXX for these erroneous and unbacked claims that ive conducted fraud. I cant open a checking account anywhere after having a checking account and multiple accounts, with multiple financial institutions. I have to pay exorbitant fees now to cash my checks and pay fees for transfers to XXXX and whatever means I'm able to get some form of banking. I suspect that this was highly discriminatory due to the spelling of my last name, ending in a XXXX thus allowing bank officials to make premature biases of criminal and fraudulent activities, due to me being an XXXX  American, and Id like a full investigation into this matter
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2024-06-07
Product: Credit reporting 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 sent a letter last XX/XX/XXXX to delete all negative items in my credit file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove all these information not later than 4 business days. Ive already included this in my previous complaint & I am including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-05-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

I have an existing complaint on this mortgage company, Nationstar, my case number is # XXXX. The status of my compliant is being investigated and according to the letter attached by Nationstar they expect to have a resolution by XXXX XXXX. Here is a direct quote from that letter '' Please be advised that at this time, we are still reviewing our call and payment records to determine if refunds can be issued. We apologize for any inconvenience this issue may have caused and appreciate your patience. Please be advised your new expected date of resolution is XXXX XXXX, 2015. " Funny I just signed for a XXXX delivery and its from Nationstar, it is a ( NOTICE OF PER-FORCLOSURE ) it says I have 30 days to respond. This company needs to be investigated they have no control over what happens within their own company. My nightmare never ends, please investigate them, can you help me where else can I go to get some help. The stress is overwhelming at this time am can i really lose my house over this!!!!!! Someone please stop them. I will attach this new letter I got Monday to this case.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

PLEASE BLOCK AND REMOVE I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Blitt and Gaines, P.C. (IL)

SINCE XXXX XX/XX/XXXX TO XXXX XXXX XXXX CFPB I am demanding proof of contract not computer created statements because they have only sent me copies of statements that I don't even know where they came from or who they are from in a computer you can create mani things like robo signatures I am demanding proof of contract I am demanding proof of contract I am demanding proof of contract they don ; t show proof of contract because they don't have one This is my eighth Qualified Written Request, for proof of claim Dated XX/XX/XXXX. Like on Previous letters advice that BLITT AND GAINES, PC. should fail to produce proof of claim within 30 days ; they will have exhausted their administrative remedy under a private administrative process and tacit agreement, BLITT AND GAINES, PC. failed to provide any documentation, original wet ink signature contract note specifically including records transferred from any previous lender or Bank. And BLITT AND GAINES, PC. ignore my demand and instead supply false untrue forms in pursuant of USC Title 18, part1, chapter 101 2071. USC Title 18 Part1, Chapter 63 1341, 1343, 1345, 1346, 1349.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-06-07
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)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-10-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (PA)

In XX/XX/2023, I received a letter in the mail from Barclay 's ( dated XX/XX/2023 ) thanking me for my recent application for the Navyist Rewards Credit Card. They further determined that additional information was needed to process my application and requested that I send a copy of my DL, SS card and utility bill and bank statement. I did not send this information as I did not try to apply for the Navyist Rewards Credit Card. This was fraudulent activity. 

On XX/XX/2023, I was working with a recovery specialist and we called Barclay 's together. Barclay 's stated that someone tried to open this account using my information and that this was a credit card for Old Navy. They stated they would send the fraudulent activity notice to XXXX to have it removed from my credit report. It is still listed on my XXXX credit report that this is a valid inquiry : " Regular Inquiries are posted when someone accesses your credit information from XXXX ''. 

On XX/XX/2023, I was working with a recovery specialist and we again called Barclay 's together. Barclay 's again stated that they would send the fraudulent activity notice to XXXX to have it removed from my credit report. This time they mentioned that they would send me a letter in the mail in 7-10 business days verifying that it had been removed from my credit report. I never received the letter and it is still listed on my XXXX credit report that this is a valid inquiry : " Regular Inquiries are posted when someone accesses your credit information from XXXX ''. 

On XX/XX/2023, I was working with a recovery specialist and we again called Barclay 's together. After many transfers to different departments, phone numbers and people who could not find the application, it was finally found. We had been on the phone for over an hour at this point. This time they mentioned that they would send me a letter in the mail in 7-10 business days verifying that it had been removed from my credit report. As I did not receive a letter after my phone call in XXXX, I am not confident that I will receive a letter this time, therefore I am reporting this to the CFPB.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (FL)

On XXXX/XXXX/16 a XXXX XXXX refund check was credited to my Citicard account in the amount of approx {$7400.00}. This was because our planned cruise had to be canceled I request that a check for the refund be mailed to me on or about XXXX/XXXX/16 I was told that the check would be sent within 5-7 days It is now XXXX/XXXX/16 and I have not yet received my check. My account balance shows a - {$7000.00} balance so I know check has not been issued
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im a victim of identity theft and Im using my XXXX XXXXXXXX credit card and paying it off way before the due date and yet my credit score still hasnt increased. My XXXX XXXXXXXX XXXX XXXX monitoring has revealed that my personal information is on the dark web please check uploaded document. 

Why isnt the credit bureaus doing their job. Why hard working Americans are suffering at the hand crooks and we are the ones being penalized for it.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My account with XXXX, XXXX was never late! I have had exceptional payment history with XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported on those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX Never Sent the periodic statement along with the disclosures from section XXXX637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It seems that FCRA 605B requires the deletion of any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are incorrectly reported, with wrong amounts and dates.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 : Account name : USDA Rural Development Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.