davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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. (NC)

I am writing to dispute unauthorized inquiries on my credit report under the provisions of 15 U.S. Code 1681b, which outlines permissible purposes for accessing a consumer 's credit report. Upon reviewing my credit report, I have identified the following inquiries that I did not authorize : XXXX. XXXX XXXX XXXXXXXX XX/XX/year> ( TransUnion ) XXXX. XXXX XXXX  XX/XX/year> ( TransUnion ) These inquiries were made without my knowledge or consent, and I believe they constitute a violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681b, credit inquiries should only be made with my explicit authorization or for legitimate business needs as defined by law. 
I am requesting that these unauthorized inquiries be removed from my credit report immediately. Enclosed are copies of my credit report with the unauthorized inquiries highlighted, along with copies of my identification and any other relevant documentation to support my dispute. 
Please conduct an investigation into these inquiries and notify me of the outcome.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I used a Wells Fargo ATM and made a deposit of {$2100.00} bringing my account balance to {$2500.00}. I received a receipt and what I assumed was my debit card and placed it in my wallet. 

On XX/XX/2023 I called the bank to check the balance on my card and realized that I had a negative balance of {$640.00} on my account. Soon after, I looked in my wallet and realized that the debit card that was returned to me by the Wells Fargo ATM on XX/XX/2023 was not my card, nor did it have my name or card number on it. 

On XX/XX/2023 I spoke to a Wells Fargo representative and she mentioned that on XX/XX/2023 in a Wells Fargo ATM, four different withdrawals had been made. The first of {$2000.00}, second of {$500.00}, third of {$600.00}, and fourth of {$50.00}. I mentioned that I did not make those withdrawals and that the machine did not give me the correct card back. The representative opened a fraud case regarding this issue and told me to wait 10 business days for the investigation. 

On XX/XX/2023 I logged in to my email and there I realized that seven other attempts were made on XX/XX/XXXX in other Wells Fargo and XXXX XXXX XXXX 

I called the bank to give them this information and there a representative mentioned that they had already done a less than 24 hour investigation and they are now closing the case. They mentioned that I must have taken out the money myself and that now on the other hand, owe them {$640.00}. They also told me to just throw away the card that was given to me by their ATM. 

Aside from speaking to the bank, both on the phone and in person on XX/XX/2023 I also went to the police station and made a police report regarding this issue. There the police officer kept the card that I received from the Wells Fargo ATM as evidence and helped me document everything mentioned above. I handed to him a copy of all my recent transactions as evidence as well. 


Wells Fargo does not want to help me, they closed the case and can not explain to me how my money was taken from my account or why their ATM gave me a card that was not mine. I believe a proper investigation has not been made to see if the machine was tampered with in order for me to receive a card that was not mine. Or a proper investigation has not been made in order to see who is the person who took out the money from my account. 

Please help me, I am now retired and that was all the money I had. My retirement check will be coming in soon and it will soon go to pay for the money that was stolen from me and the overdraft fees that Wells Fargo is now charging me as well. 

I needed the money I deposited to pay for my insurance and tax payment and now those charges have been declined by Wells Fargo and now I also have to pay interest with them as well.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have been victimized by identity theft and have promptly reported the incident. It is crucial to address this matter promptly, as it has severely impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (IL)

Started financially struggling XX/XX/XXXX. I planned on borrowing the owed amount so I asked the foreclosure attorney for a reinstatement letter but never got them when valid. Difficult process. Then I asked if I had any other options. Sent me a loss Mitigation packet with no explanation or direction. Horrible experience. Finally got HUD involved in XX/XX/XXXX. Was approved for forebearance starting XX/XX/XXXX thru XX/XX/XXXX. Foreclosure process still moving forward while in forebearance until on or around XX/XX/XXXX when I emailed Cross Country, XXXX and the foreclosure attorney asking why we have court on XX/XX/XXXX. That is when I learned the XX/XX/XXXX court date was to request a sale date from the judge. No loss mitigation offered in the first forebearance entered into a second forebearance on XX/XX/XXXX thru XX/XX/XXXX. Received my partial claim packet today. XX/XX/XXXX. Owe $ XXXX ( no explanation or breakout provided- previously requested ) monthly mortgage payment went up roughly {$200.00} again no explanation provided. While in forebearance Cross Country reported delinquent to all XXXX credit bureaus. Asked it to be corrected as of today still showing in foreclosure and delinquent. 

XXXX. Dual tracking XXXX. Ok to report delinquent while in forebearance? 
XXXX. Never ( to my knowledge ) received or informed of the foreclosure process learned after the foreclosure attorney filed. No certified letter or call from Cross Country Mortgage.
Consumer complaint received 2023-04-13
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: Self Financial Inc. (PA)

I XXXX XXXX am a victim of identity theft my information was used illegal by primary physician office I was sent letter of the lawsuit that I was effected and a part of class action suit and didn't recieve any money but not interested in the money more so my credit that was effected and still reporting on my credit report I filed for identity theft thru identity theft.gov also reach out to each company in XXXX and still the problem arising on my report and hindering me from my credit .based on Law 15 us code 1681c-2 a consumer reporting agency shall block the report of any information on the file of a consumer that the consumer identifies as information that results from an alleged identity theft no later than 4 business days after the date of receipt. If has been 30days ans you are in violation of the law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounta should not be furnished on my consumer report as they are in violation!!! Under 15 us code 1681b permissible purposes of consumer reports ( A ) in general subject to subsection of any consumer reporting agency may furnish A consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN Institution of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violets my rights as a federal protected consumer. No consent is identity theft. As a consumer I Am demanding the deletion of these accounts listed IMMEDIATELY. Accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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. (NY)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-13
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)

I had my personal information exposed in several data breaches including the XXXX data breach, the XXXX data breach and the door dash data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (NY)

I had a dispute with one of my gift cards, XXXX refunded me {$500.00}, after 3 months of investigation, incomm emailed me that a replacement could be made for me, and sent a new card to my previous address, but I Ask them to change my billing address, but I have not received a reply, so I filed a complaint with CFPB I hope they can contact me, and then I received a reply from them, asked me to provide proof of my new address, I submitted my The bank card statement, but they are not replying to me again, I called the customer service representative on XX/XX/XXXX to apply to change my address, the customer service representative helped me, and I received new card on XX/XX/XXXX with the ending number XXXX. I got a replacement card but I can't use it, I contacted customer service and they told me they couldn't activate my card, I've been emailing them, calling them to no avail, I didn't receive a valid replacement card, My case has been finalized and I have submitted proof of my address and proof that I will be able to receive a valid replacement card, but instead they send me a card that doesn't work, I hope they can deal with my issue asap, email me as soon as possible my case number is : XXXX, and old address is XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX my original card XXXX my new card number is : XXXX my new address is : XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX, but the replacement card is not work. 
XXXX help me solve this trouble, I wait so long time and I hope Incomm 's investigation team can have a person in charge contact me through my email and deal with my problem, and I can send my certificate to prove that I did not receive a valid new card
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I hereby declare that the accounts referenced herein were opened fraudulently and without my authorization or consent. Such unauthorized activity constitutes a clear violation of my consumer rights and a breach of trust that I do not take lightly. I demand that these alleged accounts be immediately removed from my consumer report, and that appropriate measures be taken to investigate and hold accountable those responsible for perpetrating this fraud. I have already reported this matter to the XXXX XXXX XXXX and the Texas State Attorney General, and Federal Trade Commission will pursue all available legal remedies to protect my interests and hold those responsible accountable. I am human there is no 3rd party.
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IN)

The issue is cause by Loan Care Mortgage Company. They have may XXXX errors with my mortgage this year so far. # 1 On XXXX/XXXX/XXXX - I received a check for {$1000.00} from " Loan Care '' stating that my Escrow had an overage & that this amount was being return to me. I call " Loan Care '' { same day } asking that this call be recorded as well. Then I ask the CSR was this check send out an error on " Loan Care '' part or was this for real and to check to be sure this was not a mistake. The CS person said that the check was not a mistake, it was an overage to my Loan & Escrow accounts, that all bills { loans & Insurance and taxes } are paid. I question the CSR again & the same answer. The CSR person said that if I did n't want the check, just send it back. I reply that if is this for real, I was going to pay a bill with it. # 2. I found out on XXXX that " Loan Care '' had been applying Mortgage payments to my Escrow account. # 3. I call " Loan Care '' on XXXX/XXXX/XXXX to find out were my Loan Statement was, I 'm trying to Re-fi my mortgage with XXXX & need a up to date statement. That 's went I was told ; that I was behind in Home payments & it had been reported to the " Credit Company 's ''. That 's when I found out that my Mortgage payments were being added to Escrow accounts. After talking to XXXX different CS 's, I found out that they had added XXXX Mortgage payments to my Escrow account & not my Mortgage. " Loan Care '' Mortgage Company only found these errors out when I call them on XXXX/XXXX/XXXX. I then was transfer to upper management person - XXXX XXXX. I told her all that I found out about what was going on with MY Mortgage payments. XXXX said she was correcting all of the payments errors as we speak. But that I was still behind XXXX payment & I need to pay it. I told her I do n't have it & that after I call " Loan Care '' on XXXX, I had paid a bill with that money they had send back to me & that this was their BIG ERROR. I told XXXX that the mortgage was being paid by Indiana Gov'ent help fund. That I was calling Indiana XXXX XXXX and reporting " Loan Care Mortgage. XXXX group told me to file this complain with you and the Indiana Attorney General as well.. The payments were made in good faith and the " Loan Care '' Mortgage Company was the one making all of errors and not taking responsibility for said errors.
Consumer complaint received 2024-06-03
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. (AZ)

Inaccurate Credit Reporting This notice is to inform you that due to various concerns regarding a lack of fair and accurate credit reporting. The information being reported has caused me damages. 

This inaccurate credit reporting is a misrepresentation of my person. Reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers under the fair credit reporting act. It is my belief that the information being reported has NOT been investigated upon insertion to my consumer report. I am a private American and my person is trust property. 

Furthermore, I am aware that the Secretary of State records all business transactions under the Uniform Commercial Code ( UCC ). I have attached a Certificate of Financing statement from ( Arizona ) Secretary of State. Search Criteria shows NO RESULTS FOUND for ( insert your name ALL CAPS ) to pay any financial obligation. I AM A CONCERNED CONSUMER WONDERING WHY YOU ARE REPORTING DEBT THAT DOESNT BELONG TO ME. 
TransUnion, XXXX, XXXX, you are reporting the below account ( s ) that are not an obligation to my name according to the Secretary of State. 

Accounts : 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 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (CA)

A few months back I had my mortgage payment with Nationstar Mortgage being automatically withdrawn from m  XXXX   XXXX   XXXX   bank account. It was being automatically withdrawn since  XXXX . Since that time I have never had a problem with the autodraft and I have never been late with Nationstar Mortgage. In  XXXX  however I had to switch to  XXXX  because I needed a business bank account and  XXXX   XXXX  would n't provide me with  XXXX . I switched to  XXXX  and added my new bank account to my online profile to have my mortgage payments automatically drafted from that account since I closed my  XXXX  schools bank account. I did it well before my payment was due. Come to find out, in  XXXX , I was called from Nationstar Mortgage because they never received my payment ....     When I heard this I checked online and sure enough my  XXXX  account was in fact listed on the system and there was in fact more than enough money in the bank account to cover my mortgage. I can prove this with documentation if necessary. I called Nationstar Mortgage and I pleaded with them my case as I did everything that I was supposed to do to ensure that they would get paid on time as they had been for years. It was not my fault that their system did n't draft my payment. In fact, their system continued to attempt to draft money from my  XXXX   XXXX  account even though that account had been closed. They did n't care. They blamed it on me. They did n't even care that I paid not only the monthly payment that was due and the next month 's payment all at once just to ensure that they got paid because I did n't want them to accuse me of being late again or their system to continue to draft from the wrong account. In the end, they hit my credit report with a 30 day late payment.     I am now attempting to use my credit and I am being denied credit because of this 30 day late payment. How is that fair to me? There was never any intent to pay them late. I did what I had done for years and set up automatic payments to be withdrawn directly from my bank account. Why should I be blamed and punished for 7 years for their system not drafting payments from my account like it was supposed to?
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B requires us to report any inaccuracies in a consumer 's report.
Consumer complaint received 2024-06-03
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-03
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. (SC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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.
Consumer complaint received 2024-06-03
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. (PA)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.