davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MI)

In XX/XX/XXXX, I was defrauded by an individual using XXXX technology into believing he was a person I knew, we had made plans to purchase a loft in XXXX, Georgia ( where I lived at the time this happened ), he " proved " his identity to me by sending to my XXXX a photo of his passport and copies of his bank records, unbeknownst to me, both of these items in his name were faked, and as it turned out, this man I thought I knew was not the same person. 

To continue : He convinced me to wire to him funds in a one-time wire transfer in the amount of {$97000.00} USD, which I did from my branch of Wells Fargo to his specified branch of Wells Fargo in XXXX XXXX XXXX Missouri on XX/XX/XXXX. 
As soon as I realized I had been defrauded, within a couple of weeks, I contacted law enforcement and made a police report. With this report in hand, I went to my Wells Fargo branch and explained all of the aforementioned details, showed them proof of the wire transfer and a copy of the police report, but I was told there was nothing they could or would do to help me reclaim my funds. Discouraged, I went home and decided to try again, so I made another appointment with a manager and the exact same situation occurred again. It was at this point that I began researching funds recovery experts and upon their advice in XX/XX/XXXX, I wrote a letter of complaint explaining the fraud and including the wire transfer proof and police report to both Wells Fargo customer service and to Wells Fargo 's fraud department. I never received a response to my email so I called Wells Fargo to follow up on my correspondence, only to be told there is no telephone number by which to reach these departments because " they are in the back offices. '' In total I sent four different letters to Wells Fargo regarding this, only to be ignored until XX/XX/XXXX, at which time I finally received a letter from Wells Fargo declining to assist me in any way at all.
Consumer complaint received 2023-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

On Monday, XX/XX/ at XXXX PDT I was calling my lender, Mohela XXXX to see if I can request for a refund credit for making payments during COVID-19. Since the financial aid website stated this may be possible, I wanted to contact my lenders customer service representative on this request. However, I have been on hold for over 4 hours with no one acknowledging my call. Since there is a time difference, the loan company was closed, and I was not able to request for it. This was Monday was the deadline to request for it.
Consumer complaint received 2023-12-27
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. (NJ)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northeast Collection Bureau (AZ)

On XXXX XXXX, 2015 I received a call from the phone number XXXX. The phone call did not feature a " live '' conversation- that is, I did not speak with a human being. The only message I received was " Hello. We are calling about a pre-legal matter. If you have retained an attorney, have them call us at XXXX. Thank you. '' I called the number back immediately after the call disconnected and received a message of " Hello. NO one is available to take your call. Leave a message and someone *may* return your call as soon as possible. '' There was no identification of who the company was, nor was there an option to speak with someone. I researched the number in question and found the company to be a company named the " Northeast Collection Bureau. '' I do not have currently, nor have I ever had in my possession any documentation from this company proving any kind of debt. I am offended by their attempts to contact and feel that, the nature of their phone call ( " this is a legal matter, you will have your attorney call us immediately '' ) is both harassment and extremely threatening. I WILL NOT BE THREATENED BY A COMPANY THAT IS TOO LAZY TO PROVIDE PROOF OF THE EXISTENCE OF A DEBT.
Consumer complaint received 2023-10-30
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (VA)

Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.
Consumer complaint received 2023-04-26
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: The CMI Group, Inc. (IL)

I got a notification on XX/XX/23 of a negative account being reported to my XXXX credit file. I spoke with XXXX XXXX at CREDIT MANAGEMENT XXXX, who stated that they sent over notification to remove the account from my file due to the original creditor pulling the account back on XX/XX/23. That still do not correct the negative impact to my credit report.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, 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. (HI)

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX/XXXX-XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Consumer complaint received 2023-06-14
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. (MD)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX : {$0.00}
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 : XXXXXXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have had a Home Equity Line of Credit with Pentagon Federal Credit Union ( PenFed ) for several years. I paid fees to establish this HELOC and have never borrowed against this HELOC. I received a monthly statement for the period ended XX/XX/ by US Mail within the last 5 days. This statement showed a fee of {$99.00} which was charged to my account on XX/XX/ and described as ELOC Annual Fee. My account has never been charged with this fee previously, and there was no advance written communication provided by the credit union that this fee would be charged. 

I contacted the credit union by phone on XX/XX/ and respectfully asked to have the fee waived and to then close the account, as I have never utilized the account, and never will, due to the current exorbitant interest rate of 9.00 %. I was told by PenFed that they would not waive the fee which had never been charged before and was charged to my account without notice. I asked the supervisor with whom I spoke to appeal this decision with a higher level of management and she rejected my request. I was told that the loan agreement allows PenFed to start charging a fee. A separate but related issue is that at closing I was promised I would receive a copy of the loan agreement, which PenFed never provided to me despite repeated requests. 

I have deep 'buyer 's remorse ' at ever choosing to do business with PenFed. They are long on marketing and short on delivery and customer satisfaction, and now they are taking 'money for nothing ' from me, which is shameful.
Consumer complaint received 2023-12-27
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. (FL)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-20
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 (MI)

I initiated a CFPB case involving several challenges with Nationstar mortgage company and their practices. The issues that I communicated were eventually resolved ONLY after contacting CFPB. The mortgage company did admit to several errors on their part and fixed the multiple issues to my satisfaction. Due to the complexity and longevity of the issues with the mortgage company, I waited for the dust to settle before I contacted them back to align them fixing the errors with fixing my credit report that still contained incorrect data from their errors. The letter that they sent me on XX/XX/XXXX spelled out the months ( XX/XX/XXXX - XX/XX/XXXX ) where the error occurred and timeframe that this issue was active. Since then, I have contacted them and requested that they update my credit report for the duration that I 've had to deal with this issue and they have n't done so to date. For reference, the initial CFPB case number is XXXX.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/.
Consumer complaint received 2023-09-02
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: Experian Information Solutions Inc. (MI)

On XX/XX/2023, I checked my credit report and noticed fraudulent inquiries reporting on my credit report. I have contacted Experian and XXXX multiple times to get these inquiries removed and nothing was done. 

According to 15 USC 1681 s-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 2023-07-05
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-10-29
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Affiliates Management Company (WA)

On XX/XX/XXXX and XXXX i withdrew {$500.00} from my wifes sound credit union card. On XX/XX/2023 approximately XXXX at XXXX XXXX XXXX XXXX XXXX, WA XXXX. I inserted my XXXX XXXX XXXX XXXX card into the CO-OP ATM attached to the XXXX XXXX XXXX building right next to the front door. I inserted XXXX {$20.00} bills, {$1000.00} cash into the atm, i did not click to receive a receipt because ive never had a problem with this ATM. A message popped up on the screen saying i could not deposit more than 30 bills so i clicked to have the cash returned, as it counted my money an error message popped up saying the cash couldnt be returned and to continue with the deposit. The machine then beeped for me to remove my card, when i went into the XXXX the manager told me to go to XXXX and when i went there the XXXX representative said there was nothing to reflect on my account. The XXXX XXXX debit card dispute team did an investigation into the matter and provided me with a {$1000.00} provisional credit for the duration of this investigation. On XX/XX/2023 without warning the {$1000.00} credit was removed, when I called XXXXXXXX XXXX they said that the investigation results came back and there nothing appeared wrong and that XXXX XXXX XXXX told them I had benefited from the transaction.The transaction of my {$1000.00} I still havent received? That makes absolutely no sense, when I talked to the branch manager in person at the XXXX, she had told me that the people that count the money from the CO-OP ATM will be able to tell if there is money thats unaccounted for and that I would be able to get that money if they found it, but I havent been told anything and I still dont have my money.
Consumer complaint received 2023-09-02
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. (GA)

I reviewed my consumer report and discovered some illegal information being displayed. Per 15 US Code 1681a ( d ) ( 2 ), consumer reports do not include transactions or experiences between consumer and person making the report. I sent a letter, certified mail, to the reporting agencies on XX/XX/2023, to which they did not respond and did not rectify this error.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Alleged debt purchaser, Portfolio Recovery Associates , LLC ( " PRA '' ) made multiple false, misleading and deceptive written and recorded telephone statements about Ohio law 's requirements about the type of documents and legal instruments it must provide me to establish written debt verification of it's standing and real party in interest status as the owner and purchaser of my credit card account. In XXXX, 2023, PRA placed a collections account on my credit report as the alleged purchaser of the account from the original account holder. I exercised my rights under Fair Debt Collections Practices Act and Ohio Consumer Sales Practices Act ( ORC Section 1345 ) to request written debt verification, starting with proof PRA is the true owner of my account. I specifically requested copies of the account and asset purchase and sale contract, bill of sale, payment records and assignment of account rights between PRA and the original creditor. PRA refused to produce these records. In two lengthy recorded telephone calls with PRA Disputes Teams employees and supervisors, PRA falsely stated Ohio law did not require it to produce these records in response to requests for written debt verification. PRA stated the monthly account statements and extraneous correspondence purportedly from the original creditor met its legal burden of proof. PRA was fully aware but ignored binding legal precedent from the Ohio XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX which completely supported me and rejected PRA 's argument. In fact, the Ohio Court of Appeals reversed the trial court and entered judgment for the consumer because PRA failed to produce the exact same records I requested. Subsequently, I performed independent legal research which yielded the XXXX decision. In XXXX, 2023, I emailed PRA 's legal department the XXXX decision. Only then did PRA acknowledge its false, deceptive statements and closed my account. Notably, the Ohio Supreme Court has held the Ohio Consumer Sales Practices Act provides similar yet " broader '' protections for consumers as the Federal Fair Debt Collections Practices Act. See, XXXX v. XXXX XXXX XXXX. XXXX, XXXX, XXXX Ohio XXXX XXXX. Both statutes allow for actual and nominal damages for false, misleading and deceptive statements. The Ohio statute also authorizes treble damages for violations. I seek {$6000.00} compensation to avoid filing a lawsuit.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (NJ)

I have disputed multiple items on my credit report and they came back verified and I sent notice of only one Address and name and they also refused to remove the others
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.