davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
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. (MO)

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 2024-04-06
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)

There are multiple unauthorized, hard inquiries on my credit report that do not belong to me from : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2017-02-21
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: United Debt Holdings, LLC (FL)

I was contacted by a " currier '' who did not have a correct address and only verified my first name. He gave me a # and a reference # to thus company. No name given. I called. No recording disclosure or mini miranda. No company name or name of person. She only verified my first name..never once asked my last name. Had the last 4 of my SSN wrong. And when I said it was wrong continued disclosing. Stated to me I had until XXXX today to pay {$580.00} or they would charge me with intent to defraud a financial institution. And it was in my best interest to be at my residence for the currier. If not she wished me best of luck. I already have a XXXX and health issues I am out of work. This conversation was threatening to me and I do n't know where to go with this. I do owe that company they called about but I contacted them yesterday. They already sold it to United Debt Holdings ... .which is who I talked to yesterday. I have both # s and the reference #.
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MD)

My computer hacked, Hackers got into everything on it including my on-line banking acct. with Wells Fargo. Money was transferred from savings acct. to checking acct. and I was not notified of fund transfer which was what bank usually did when funds were transferred by sending e-mail to inform me a transfer had occurred. There was nothing I could do to stop the hackers who identified themselves as " XXXX XXXX ''. Initially they had locked my computer and had a message on line to call XXXX with a phone number to get computer cleaned of any wrong programming. See complaint ID XXXX. 
Wells Fargo refuses to replace any of my funds stolen because they seem to think I had something to do with the stealing. The hackers got away with over {$160000.00}. Wells Fargo has repeatedly said I was at fault because I sent a cashiers check to supposedly XXXX XXXX XXXX to return the amount transferred to my checking account from savings by hackers. That check was only sent to return funds to XXXX that I thought had been put into my account by them in error by their billing department. 
If you can please get through to Wells Fargo that I was REALLY hacked by people posing very well as XXXX employees and to PLEASE replace at least half of my funds I will be very happy to let this situation go.
Consumer complaint received 2024-01-09
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: EQUIFAX, INC. (AZ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This Los an advisory that this account by the name of designed receivables has been knowingly and wrongfully reporting onto my credit report. I have sent this agency disputes which I will attach copies of here and they have been reading them and willfully choosing not to reply, this is grounds for removal and I will attach green return label for proof they chose to ignore me rather than to apply accordingly to my dispute letting them know they are illegally and wrongfully reporting to my consumer report. I AM ALSO REQUESTING PROPER AND COMPETENT VALIDATION OF THIS DEBT AND HIPPA AUTHORIZATION, A BREAKDOWN OF FEES INCLUDING ANY ALL COLLECTION COSTS AND MEDICAL CHARGES, A COPY MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY PRIVATE MEDICAL INFORMATION TO THEM, AND TO STOP ALL CREDIT BUREAU REPORTING UNTIL THIS DEBT HAS BEEN PROPERLY AND COMPETENTLY VALIDATED NOT VERIFIED BY ADDRESS THAT I HAD TO PROVIDE TO THEM CAUSE WHEN I CALLED THEY DIDNT EVEN HAVE MY ADDRESS ON FILE ( recorded )
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2023 I settled with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Paid the settlement amount of {$950.00} which brought the account balance to {$0.00}. However, on my credit report it is reporting in a collections status. The agreement with the creditor was that if I agreed to settle for the said amount above once paid it will report on my credit report as a Closed/Paid account with a {$0.00} balance reported. Due to the inaccurate reporting on my credit report is causing me to get denied a place to live. This reporting is telling the companies that run my credit report that I still owe the XXXX that I paid the debt off with. The Credit Bureau is in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Can you please look into this matter.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

The bank told me to call the companies about these charges and I did they said the bank needs to file the charges in order for me to get my money back I did not give any permissions to use my card at any of these companies nor did I give anyone to do so these are the charges that I have called on and talked to the fraud department about these charges I did not make. I do have emails to this one lady who has been helping me at the bank I have wrote to her almost every other day about my account XXXX XXXX XXXX is my social security number XXXX date of birth XX/XX/ XXXX {$1000.00}XX/XX/XXXX wire charge {$25.00}XX/XX/ XXXX XXXX {$200.00}XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4500.00} this company said bank needs to fileXX/XX/ XXXX XXXX {$4000.00XX/XX/ XXXX {$1000.00}XX/XX/XXXX dental {$4000.00} they said bank needs to file XXXX  XXXX XXXX {$1000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I have 2 wire transfers but I am talking to the investor man also but got nothing yetXX/XX/{$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FactorTrust, Inc. (TX)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my FactorTrust consumer credit report sent to me via mail.
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i was under review with bank of america loan modification and was never informed of my house going to sale until XX/XX/XXXX when i got and eviction notice when to court and file and answer to the unlawful detainer nd bank of america forclouser law firm contact me saying the case was dismiss no further action was taken in their behalf i was never informed or any other option till this day I 'm still living in the house and still bank of america keep going me hopes of resolving my issued and also i know that they resold the house when again because i got an eviction notice
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, XX/XX/XXXX between the hours of XXXX - XXXX XXXX  in the afternoon XXXX  I went to the ATM to deposit my money from Workman 's Compensation at the CHASE BANK on the corner of XXXX XXXX  XXXX and XXXX XXXX. XXXX XXXX California We counted out the money and then went through the process to deposit. The ATM took the money and the machine ( ATM ) began to roll around and around and in about a minute a message came up that there was a problem with one of the bills and so we waited for it to return the money. The ATM continued to roll and grind and then suddenly the machine shut down taking the money but not issuing a receipt. 

I panicked and tried to call the CHASE customer service which was closed. I stood there crying at the machine hoping and praying that the money would show up and be on my account but nothing happened. Another CHASE customer came by and wanted to use the machine however I was standing there crying and she assured me that CHASE would be able to see that the deposit was in fact made and that they have VIDEOS and CAMERAS that will show our transaction. 

I've called filed a claim, I've gone in and spoken with the Bank Manager and they tell me that they DO KNOW that I attempted a deposit but never made it. They say that they didn't find an extra {$300.00} which was XXXX XXXX XXXX DOLLAR BILLS. 

I asked for them to look at their videos and cameras which they told me they don't do. 
What!?!?!?!?!? 

If the bank had been robbed or an incident happened at the ATM they would easily pull up the camera. We STOOD THERE COUNTING the money out before it was put in the machine. I'm out of {$300.00} very much needed and depended on money because they aren't doing their due diligence to locate it. How do I know what happened after the OTHER SIDE employee emptied the machine. 

Please for life 's sake help me here. CHASE doesn't care. 

Best always, XXXX XXXX
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I am disputing information on my Experian Credit Report. Experian has sent letters in the past claiming that my dispute was frivolous and they would not reinvestigate any items that are incorrect as they have supposedly verified them as correct. I have asked for verifiable proof of what Experian has claimed is incorrect in my credit report and they have failed and said this does not apply to them. Their inability to provide any proof makes me believe they are not actually verifying any information and just claiming that information on my credit report is correct. I have mailed letters dated XX/XX/2017 to them concerning this. The letter is attached to this email that I have mailed to them.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe a few accounts listed below have violated the Fair Credit Reporting Act in terms of accuracy and my privacy. 

XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A says i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 says a Consumer reporting agency can not furnish an account without my written instructions ( The bankruptcy courts do not provide information to the credit bureaus. The credit bureaus collect information regarding bankruptcy cases from the Bankruptcy Courts public records. No matter the status of your case ( open, closed, discharged, dismissed ) 15 U.S.C 1681s-2 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate.

I also was never given the opportunity to check or dispute information on these accounts, if you believe you have proof of my acknowledgement and receipt of the information on these accounts please provide this proof with my name and signature of acceptance if you have sent certified mail please provide me the receipt with my signature these accounts are hurting my efforts to reestablish credit since my bankruptcy
Consumer complaint received 2024-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (TX)

This is regarding my serious concerns about what happened with the closing of HELOC refinance # XXXX ( Settlement Date : XX/XX/XXXX  ). 

At closing, the amount of {$13000.00} ( Section XXXX ) was kept on the side ( attaching settlement document for reference ). This is the amount for which I am trying to get the transaction trail. I followed up with different parties to get answers. 

Reconcile process? 

Usually there is a rigorous reconciliation process for each dollar that gets distributed. If so, how can a big amount like this be missed during the reconciliation process? I already have the details of what the Title company received and the amount distributed from their side. The Title company didn't receive this amount in their net wire amount. 

o This raises questions about your reconciliation process and concerns about the whole thing. This needs to be investigated. 

Escrow Requirements? 

We didn't have the official Escrow setup for this transaction ( Usually there is no Escrow by default for HELOC transactions anyway ). Then why the money was collected and no one told anyone about it? Even if the money was collected in the name of Property tax then why there was no communication about it? As a Lender, you need to communicate for any amount you collect and disburse. 

No Follow-up or an official response regarding this from CMG since the closing day ( It is more than 50 days now ).! 

There was no even initial response to my emails after closing. I finally called up my loan officer and I was told that they would talk to the closer. But nothing after that. 
Till date there is no official response yet and no one knows what happened. 

At this point, I am requesting an official investigation.
Consumer complaint received 2022-10-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Letters were sent on XXXX and on XX/XX/24 disputing several items on my credit report accounts and inquiries. I have not heard back from any of the credit bureaus regarding the dispute process. Transunion did send a letter stalling the process basically congratulating me on taking steps on repairing my credit.
Consumer complaint received 2024-01-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (PA)

In XX/XX/XXXX, I was gifted a {$100.00} visa gift card from Vanillla Gifts as part of a baby shower. I went to use the the card on XX/XX/XXXXXXXX  and there were only {$1.00} left. I reached out to Vanilla Gifts and filed a claim on XX/XX/XXXX to which I was told could take 90 days. My claim is : XXXX. 

I followed up with them nearly every 6 months since and it has been over 2 years now without a response or update from them.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am attaching evidence that this company mistakenly reported a late payment to my transunion account. This account was opened without my consent. I am requesting the immediate removal of the account from my credit report.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (NV)

In XX/XX/XXXX I got a secured credit card from Wells Fargo with a deposit of {$4000.00}. I was told that this secured credit card would be turned into an unsecured credit period if after a year I had maintained the card in good standing. I subsequently got another secured credit card from XXXX under the same terms. One year later XXXX returned my deposit and upgraded my account to unsecured, but after 16 months, Wells Fargo refuses to upgrade my card and return my deposit. When I questioned the reason for the refusal, they say that my credit report does not meet the standards to upgrade the card, yet they wo n't tell me what exactly is required in order to upgrade - just that my account is unsatisfactory. When I escalated the grievance I spoke with XXXX, ID # XXXX with Wells Fargo Credit Card Executive office, he told me that he shared the guidelines with me and that 's why they could n't upgrade the card, but he did NOT share the guidelines, he refused to tell me what it was that was preventing the card from being upgraded, he only stated that it was unsatisfactory. I have no way to get this deposit back other than close the account, which will adversely affect my credit score. Wells Fargo will not tell me why they wo n't give my deposit back, but XXXX did without even asking for it. I have no recourse - I am at the mercy of Wells Fargo deciding that someday my credit might be good enough to have the deposit returned and the card upgraded to an unsecured card. Customers have no recourse and they refuse to tell me what the requirements are. What can I do to get them to return the deposit and upgrade the card, or at least tell me exactly what on my credit report is preventing this.
Consumer complaint received 2024-01-09
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.