davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (AL)

Experian was notified of adverse information on the consumers credit report via victim of XXXX XXXX self attestation by a registered XXXX. 

Experian has made the determination that my documentation was not valid. 
this is incorrect. 

XXXX accepted the same documentation the week of XX/XX/XXXX. 

Experian is currently causing seriously financial harm and commercial XXXX acts to me by reporting continuing to report adverse information. 

I demand the items listed in my private correspondence with experian be removed immediately. as we are now days past the 4 day time limit.
Consumer complaint received 2023-10-18
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)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate dates, amounts, and showing past due! Some the accounts are open and still showing past due! I have disputed the information with all 3 credit bureaus and they have not investigated correctly and are reporting that the information is correct! XXXX has been paid in full and are still reporting flags on my accounts! This is against my consumer rights per FCRA and is against the law! I am trying to purchase a house and these accounts and their inaccurate information are hurting my credit!
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Corp Solutions Inc. (CA)

Credit Corp Solutions opened a collection account against me without providing me any proof, letter or correspondence. I began receiving constant phone calls from this company, often multiple times a day, early in the morning and late at night. 

I contacted this company requesting proof of the debt and I was told I could only be provided proof if I agreed to make payment arrangements to settle the debt they are attempting to collect. I refused to agree to their terms as to my knowledge I owe no outstanding debt to any creditor or lender. The person who I spoke to was very rude, unprofessional and stated they would be reaching out to my employer to garnish my wages to pay this debut. 

The phone calls to collect a debt by this company have continued. At this point it's become harassing and I feel unsafe. Every time I look at my phone it seems like I have a missed call from them. It's beginning to feel like I'm being stalked. They keep calling me and won't stop. 

I've contacted an attorney and they've advised me to reach out to you, the CFPB, to try settle this matter before I escalate any legal action against this company. I'm requesting for this company to cease and desist from contacting me as well as to remove any delinquency or collection remark on my credit report from the credit bureaus such as XXXX, XXXX and XXXX and I am requesting for all debt attempts to subside.
Consumer complaint received 2024-07-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Management Services, Inc. (UT)

On XX/XX/year> the third party debt collector was notified in writing that the debt was disputed and verification of the debt was requested. No information was provided regarding the alleged debt but the third party debt collector continues to attempt to collect on the alleged debt by placing an incomplete and unverified tradeline on my credit report, negatively impacting me, the consumer. I have not received verification of this alleged debt and refuse to pay something that has not been proven to be owed.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Activus Corporation (CA)

I receive nearly every month letters from XXXX XXXX XXXX. These letters are intentionally designed to appear as though they are coming from my current lender and make it sound like I urgently need to contact them about my rate. There is no mention of who the letter is from anywhere in the main text of the letter. It is only at the bottom in the fine print that it is disclosed.

Fortunately for me I work for a financial institution and know where to look in the fine print to identify who the company is sending me this letter. Others have likely been fooled. This looks like a deceptive banking practice by a mortgage lender.
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (GA)

Facts of the Case : I hold a mortgage account with Wells Fargo with an outstanding principal balance of {$110000.00}. 
XXXX XXXX XXXX XXXX, acting as a servicer for me, paid off the mortgage to Wells Fargo on my behalf on XX/XX/year>. 
Wells Fargo confirmed receipt of payoff funds on XX/XX/year>, via phone and on XX/XX/year>, via mail. 
Based on these confirmations, I paid XXXX XXXX XXXX XXXX {$51000.00} via cashier 's check on XX/XX/year>, drawn from my Wells Fargo checking account and deposited into XXXX XXXX Wells Fargo business account in Georgia. 
However, Wells Fargo subsequently claimed they returned the payoff funds on XX/XX/year>, without my consent or knowledge, and reinstated the loan.

In my view it is a Potential breach of contract by Wells Fargo for returning funds without authorization.

I also suspect Possible fraudulent misrepresentation by Wells Fargo regarding the status of the mortgage payoff.

Potential conspiracy between employees of Wells Fargo and XXXX XXXX XXXX XXXX to defraud me. 
I request recovery/compensation of {$51000.00} from Wells Fargo for the immediate loss incurred.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (WA)

Amex keeps sending me spam about expiring Amex offers to both my and addon card accounts. The email addresses are XXXX and XXXX I have tried to have these emails stopped twice but customer service have no idea about how to do so and they FORCED me to agree to : 1. American Express will not provide Merchants and third parties with your updated Card information if your expiration date or Card number changes or if your account status is updated, including if your account is cancelled '' 2. We may extend you marketing offers when you call or chat in with Customer Service. 

This choice overrides any prior request to stop receiving marketing offers for this account only when you call or chat in with Customer Service. 

I DO NOT agree to the above but just want them to stop spamming me. They were able to do this for my old email address XXXX but started spamming me again when I changed my email address.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OK)

There is no account number linked to this negative posting by XXXX XXXX on my credit report. 

On XX/XX/year>, I noticed that XXXX XXXX was on my credit report with a balance of over {$8000.00}. I contacted them via certified mail asking who they are, who they are collecting for, and for proof of supposed debt. They received this on XX/XX/year>. 

I received no reply. On XX/XX/year>, I sent a cease-and-desist letter to XXXX via certified mail. They received this on XX/XX/year>. I sent copies of this letter to XXXX, Equifax, and XXXX XXXX. 

After a month, I noticed that XXXX was still on my credit report. I provided a second cease-and-desist letter to XXXX and all three reporting agencies via certified mail. They all received their respective letters in XXXX. 

As of today, XX/XX/year>, XXXX is still actively reported on my credit report by all three credit reporting agencies. 

XXXX XXXX is violating federal law by reporting a debt that was never validated or verified. Equifax, XXXX, and XXXX failed to adequately investigate and verify the supposed debt, even after I asked them to do this twice. 

This irresponsible reporting is hurting my credit score. Please have all three credit reporting agencies remove this account in accordance with federal laws. Thank you.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I sent a letter last XX/XX/XXXX to remove these items listed below 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/block any items not later than 4 business days. Ive already included this in my previous complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

Re : Request for Clarification and Resolution of Withheld Wire Transfer Attention, Wells Fargo Bank Compliance Department I am writing to formally request clarification and resolution regarding a wire transfer that has been withheld by Wells Fargo. Despite my repeated inquiries, I have been informed that the transaction is being held in compliance with the Office of Foreign Assets Control ( OFAC ) regulations. However, I have not received sufficient details to understand the specific reasons for this action. Requesting Clarification : 1. Please provide a
detailed explanation of the specific OFAC regulation or sanctions list that prompted the withholding of my wire transfer.

2. Clearly outline the rationale behind the determination that my transaction falls under the said regulation.

3. Provide documentation or evidence showing the due diligence conducted by the bank in relation to this transaction.

4. Explain why I was not adequately informed of the reasons for withholding my funds at the time of the transaction. 

Given the financial and reputational damage I am incurring due to the withholding of my funds, I request an immediate review and resolution of this matter. If the withholding of my funds was due to an error or misapplication of OFAC regulations, I urge the bank to release the funds without further delay.

If I do not receive a satisfactory response within 15 business days, I will have no choice but to explore alternative courses of action. These may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ), as well as seeking legal reco
urse to recover my funds and any associated damages. I have represented myself in Federal Court against a US Regulatory Agency in California and won that case and will do the same against Wells Fargo should you continue with not providing a valid reason for refusing to deposit my wired funds as it seems like you say it was rejected returned on XX/XX/XXXX.
Consumer complaint received 2018-08-15
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. (PA)

Equifax has on XX/XX/XXXX that I have a too many delinquent past or present mortgage credit obligations as I have not had any mortgage since XXXX in which is in litigation and there is or any money owed to mortgage or after the Foreclosed the property was sold for more than I paid so there is no negative money owed and there are not any more present or past mortgage debt owed. Also Equifax has yet to mail out any updated report.
Consumer complaint received 2022-10-25
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-12-14
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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. (CA)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account ( XXXX ) : ( XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OK)

On XXXX Chase closed BOTH of my credit cards. I feel certain this was because I filed a complaint against an employee that refused service ( for no reason ). My son and I were trying to restored our co-owership after Chase removed if in error after updating PODs. It was a Saturday, so there was only one banker available ( one that I had previously told the manager about being rude )
Consumer complaint received 2018-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (NJ)

In XX/XX/XXXX this company contact me as a service provider for federal repayment loans. They presented themselves as an agency that works for/with the government to initiate a payment plan for student debt. A month later I received a notification that my extension for payment ( s ) was being revised. I called the company and requested the immediate cancelation for their services. That phone call went to three different phone specialist to try to convince me to stay. The last specialist appeared to be their last chance to convince me otherwise but I was very clear that if I wanted an extension I would ( XXXX ) file myself and I sure as XXXX would not be paying {$200.00} a month, every month. That is just ridiculous. Services were canceled XX/XX/XXXX and I did give them two payments of {$200.00} a month. Money was not reimbursed. I was contact XX/XX/XXXX by the FTC to warn me of this company. XX/XX/XXXX, Ameritech also contact me via mail to be contact.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

The problem I have is that there is information missing on my Experian credit report. My XXXX credit card does not show up on this report - I have had this account for over XXXX years. The information correctly shows up on my XXXX and XXXX credit reports. 

I have reached out to Experian a few times - I don't have every date of correspondence. At some point in XXXX, I mailed in pages of XXXX credit card statements, and my XXXX and XXXX credit reports correctly showing my information. I never heard back about this. I reached out via call on XX/XX/XXXX, back in XX/XX/XXXX, and again XX/XX/XXXX. Every time I reach out, they tell me there is nothing they can do because the onus is on XXXX to report that information to them. 

I have exhausted my options with XXXX- they insist that they report my information every month to all three credit bureaus ( which I am inclined to believe since the other XXXX credit agencies have my information correct ). Twice I have initiated an " investigation '' with XXXX. The investigation is supposed to lead to them reaching out to Experian and getting Experian to correct my information. I initiated this investigation with XXXX back in XX/XX/XXXX, and again on XX/XX/XXXX. I have never heard back about this. 

I have verified that my full name, address, and social security number are all correct with XXXX and Experian.
Consumer complaint received 2018-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX I initiated a transfer {$400.00} from my checking account to another person, using XXXX provided by Ally app. But just after I submitted that transaction, I realized that that's a fraud transaction and I want to cancel it. Then I called the bank immediately. However, the costumer representative told me that the transaction has been completed and they can not do anything. 

As a five years ' customer of Ally bank, I am so disappointed about the it. If Ally bank can not protect their customers, I don't think anyone like to become their customer.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX someone opened a capital one card with a {$15000.00} credit limit and added me as a user. As of XX/XX/XXXX {$2000.00} had been spent on this capital one card. I had been added to this credit card without my consent. Capital one said they can not find the account by XXXX confirmed there is a capital one account opens XX/XX/XXXX without my consent
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRIAD FINANCIAL SERVICES, INC. (MI)

This account was paid in full by the previous owners bayshore Wolverine capital by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the 30+ days late to be removed from my co borrower and my credit report immediately. We never been 30 day or more late why would we be 30 days at pay off time? I lostXX/XX/XXXXpoints on my credit report due to this misinformation and my co borrower lost XX/XX/XXXXpoints due to this we ask that triad Financial remove the 30 day late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this 30days late on my credit report stops me for doing anything with this blemish from Triad financial. I cant see how they were able to put a 30 day late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed XXXX 30 day late pop up from a successfully removed account.