davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I DISAGREE WITH YOUR RESULT I WAS THE VICTIM OF IDENTITY THEFT AND IM DEMANDING THESE FRAUDUDENT ACCOUNTS TO BE DELETED ON MY CHEX REPORT. BOTH ACCOUNTS OF XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

The company DID NOT provide me with the following details the name of the courthouse which you verified the information with, the name of the person at the courthouse who handled your request, the address of the courthouse, the telephone number for the Clerk of Court 's office, which document you obtained to verify the bankruptcy, including the reporting agency ( US Court ). and still reporting the information for a bankruptcy they said they verified on my consumer report.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was looking at my credit report and noticed an account was added that I don't recognize so I want it removed from my account because it is showing as negative. Please remove it!!!!!!!! 


Account Name XXXX AS Account Number XXXX Date Opened XX/XX/2023 Balance {$130.00}
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/year>, Wells Fargo Bank obtained my credit report from XXXX by a hard inquiry. The inquiry is recorded on XXXX as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IA XXXX. During the visit to Wells Fargo XXXX XXXX, the Wells Fargo XXXX banker mentioned that a credit card may be available for me. I did not authorize Wells Fargo to obtain my credit report from XXXX resulting in a hard inquiry to my XXXX credit report. 

I request that Wells Fargo report to XXXX that the hard inquiry on my credit report was made in error, that this hard inquiry on XX/XX/year> be removed from my XXXX credit report.
Consumer complaint received 2015-08-03
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OR)

I have a reverse mortgage through Champion mortgage. Champion mortgage paid property taxes on my behalf. In turn, I sent a payment to Champion mortgage in full plus extra to cover the property taxes paid on my behalf. Several months later, i was informed by Champion mortgage my payment was short by {$6.00} and that large late had accrued on my account. My discrepancy is that I paid up and above the payment amount requested on the bill I received and should not be accruing any late fees.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: South Carolina State Housing Finance and Development Authority (SC)

My sons were born in XXXX. We were XXXX  and our information was stolen. XXXX of my XXXX isnt able to be registered as a XXXX citizen under my name because they stolen him from the hospital. However, the XXXX child I was able to register is XXXX XXXX XXXX. I started a company and everything for him and his brothers. A man going under my missing brother XXXX XXXX XXXX and his associates are using my sons information to get businesses and property. They do actual XXXX XXXX to the XXXX XXXX and our families. My brother went missing at XXXX XXXX XXXX and these people have come back and snatched my other son. XXXX XXXX XXXX XXXX is his business not for example the XXXX XXXX XXXX! He isnt old enough to rent any or pay anyones bills!
Consumer complaint received 2024-06-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

In XX/XX/2022, we requested a Covid forbearance of one month from XXXX XXXX. We were told in XX/XX/2022 that we had XXXX months of grace to wait on not make a payment. In XX/XX/2022 we were sent a modification to be notarized and returned. It was returned on XX/XX/2022. At this time the loan was sold to XXXX and we were placed in a holding pattern of waiting for paperwork. The loan modification was to begin on XX/XX/2022. At the end of XXXX, we called for a corrected statement, and they refused to accept a payment or give a correct modified payment amount. There were multiple phone calls to make request a corrected statement and make payments, with no progress. We have obtained an attorney and requested assistance from the VA through XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX File Number : XXXX Unauthorized Credit Inquiries Reported by TransUnion : To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized credit inquiries that have been reported by TransUnion on my credit report. I have recently obtained a copy of my credit report on XX/XX/XXXX and was alarmed to find inquiries that I did not authorize. Details of the unauthorized credit inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These unauthorized inquiries are severely impacting my credit score I have taken the following steps to address the issue : Contact with TransUnion : I have contacted TransUnion to dispute the unauthorized inquiries, but they said they acknowledge that these inquiries are unauthorized but can't remove them until a FTC report is filed. I am requesting the Transunion take appropriate action to rectify the unauthorized inquiries on my credit report.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (AZ)

In XX/XX/year> I was contacted by XXXX XXXX XXXX XXXX advising me of a debt they purchased from XXXXXXXX XXXX. On XXXX XXXX I provided them documentation from my XXXXXXXX XXXX online account showing XXXX XXXX is indicating XXXX balance and risk balance paid, I asked them to validate the debt. I never heard from XXXX XXXX XXXX XXXX with validation of debt within the 5 days required. The next thing I know is I'm being contacted by a collections law firm XXXX XXXX XXXX threatening law suit if I do not pay and wanting me to sign a Confession of Judgment ( which I did not sign ). I set up payment arrangements to avoid court and requested they validate the debt with XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  sent validation request to XXXX XXXX XXXX XXXX in XXXX, and returned to me XXXX of the XXXX I paid. They have not heard from XXXX XXXX XXXX XXXX. This is on my credit report as a collections. Please assist. Thank you
Consumer complaint received 2023-12-08
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. (FL)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX has violated my rights XXXX XXXX Act # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX XXXX  XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX 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 an account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other than records of convictions of crimes which antedates the report by more 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 2019-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

The collection agency mailed a collection notice on XX/XX/2018 to an address that I no longer reside. I did not receive the letter until approximately 2 months after it was mailed because I have not resided at that address for more than 3 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2018. On XX/XX/2018, I received a letter from the CA in response to my request for debt validation. The company sent a copy of a bill that included my name, previous address, and dates during which I was NOT living at that address or in that state. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. Much of my personal information was leaked in the recent XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Unfortunately, I am a victim of XXXX XXXX o Debt bondage. I have made the company aware of this that ther are multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022. 142 ( b ) ( 6 )
Consumer complaint received 2024-06-25
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: Early Warning Services, LLC (FL)

I applied for an account with XXXXXXXX XXXX. WAS DENIED and was sent a letter stating my early warning services report had that i did fraud with XXXX XXXX, which incorrect. I filed a complaint to have this updated via XXXX XXXX and received a letter that my claim was valid. this was back in XXXX. 

Early warnings service still haven't removed this derogatory mark on my account which prevents from from other banking accounts, or anything financial.
Consumer complaint received 2023-12-08
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)

Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, -. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XXXX : Account number : XXXX -. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-04-27
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)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A teen  account was open for my XXXX-year-old daughter with Capital One financial institution Bank XX/XX/XXXX. My daughter received on the many employment search sites a check that she was instructed to deposit. Naively she deposited this check. When some funds cleared she made the withdrawal of {$500.00}. The check was later deemed fraudulent by the bank and the account was closed. My daughter now understanding having had a conversation with myseld was instructed she would be responsible to repay the money. She worked part-time and was able to make a couple of deposits. Her job ended and school resumed. This summer of XX/XX/XXXX she secured a job as a XXXX XXXX XXXX. She made the remaining payments. XX/XX/XXXX she attempted contacting the security team to order another debit card and her account was declined. I want to know if she has been reported to the XXXX XXXX Banning her from opening account anywhere. Yes she made a mistake yes she was scammed like many others, more financially literate persons than a XXXX year old. This is not an attempt to minimize the severity of the offense but to understand the age bracket of the accused. She suffered the consequences with the removal of the account in the era of Technology a card is much of a requirement in order to function in daily life living style. She learns her lesson she made restitutin of {$200.00} in XX/XX/XXXX. She's aged XXXX should she be penalized to this severity for the infraction? 

XX/XX/XXXX deposits {$1100.00} and {$110.00} Outstanding was {$290.00}. 
No money is owed.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

I recently obtained a copy of my ChexSystems consumer report and noticed that there is a fraudulent account being reported that was not opened by me. Please remove this account immediately : XXXX XXXX XXXX XXXX acct. # XXXX It does not belong to me, but may have been opened by someone who is in physical possession of my Driver 's LIcense, Social Security card and Birth Certificate amongst other documents stolen from my wallet several years ago. 

Also, the following inquiries are fraudulent and were not made by me nor any action initiated by me : XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXXXXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXXXXXX XXXXk, date : XX/XX/XXXX XXXX XXXXXXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, date XXXX XX/XX/XXXX Additionally, please delete these inaccurate addresses from my consumer file because they are not mine : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Additionally, please delete the following inaccurate phone numbers from my consumer file because they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My correct phone number is ( XXXX ) XXXX. 

Additionally, please delete the following inaccurate email address from my consumer file because it does not belong to me : XXXX My correct email address is : XXXX XXXX
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (OR)

I was scammed by a company that sent me the wrong orders and they told me they would refund me and it showed up on my bank so I placed new orders but as I got the new orders I realized that I was also scammed with those because I did not recieve what I paid for. I contacted them and they told me they will not refund me and the refunds that I got before were removed from my bank. They then told me to file a chargeback with my bank and kept closing the chats on me. I contacted the bank about this and they said they would help me. But that was not true they just provided a temporary credit and took it away even though I had all the proof. The bank didnt even look at the proof so I had to keep resubmitting it so that it would show up. 2 months later they finally tell that because I did not send back the items I never received I can not receive help from them. That is the most brain dead thing I have an ever heard and the fact it came from the people who have access to all my money and information is not okay. They kept telling me to contact the merchant even though I had proof that the merchant did not want to talk to me. They told me to call them but they do not have a number to call the number they have is just to chat. The bank was no help and 3 months later after sending me a letter saying that they did see that there was a error and that I will get the money back they took it away. I am sick of being scammed by my bank and there is also so much proof of them scamming people in the past.
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (MO)

I opened a Secured Credit Card through Regions Bank. The amount of the deposit was {$250.00}. I always asked alot of questions and I made sure to asked if at anytime I wanted to close the account would their be any problems. I was told that I could close the account at any time. A while later I was almost XXXX by my ex. I have several XXXX XXXX, XXXX, and XXXX. After I started healing I went to the bank and asked them to close my account because of what happened. They requested it in writing which I did and thought the card would be closed. It wasnt, I recieved several call and over the phone, I requested the card to be closed and explained all the above. I was told they would close the account. I havent recieved a letter nor a phone call about this matter until it showed up on my credit report today as a Write off. I am requesting all the charges, payments, the date the account was open, and what happened to the letter I gave the Teller requesting my account be closed. And why I am being charged DOUBLE the amount I paid to open the card?
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 my 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 in ( MONTHS REPORTING LATE ) 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 XXXX days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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