davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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. (TX)

This formal complaint is against Equifax. I have disputed with Equifax a few times regarding the inaccuracy of late payments being reported on my consumer credit report. A letter was mailed to Equifax, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after Equifax 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting.

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company (XX/XX/XXXX and XX/XX/XXXX ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. 

Equifax ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report. 

In accordance with the Fair Credit Reporting Act, Equifax has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (GA)

On the morning of XX/XX/XXXX, I checked our local property tax site to see if Truist had submitted our payment for property taxes totaling {$2700.00} by the XX/XX/XXXX deadline. The local government website showed that they had not. This payment has now incurred a penalty of {$130.00}. This now makes the total balance due {$2900.00}. 

Immediately, I called the Truist customer service line and spoke with XXXX different representatives who both confirmed that we had paid property taxes during closing and they were to be distributed through escrow but had not done so. One representative stated that the first installment would be in XXXX and I corrected them to let them know it was due XX/XX/XXXX. 

The second representative told me they would take two weeks to research what happened and get back to us. The representative also stated that if the research finds Truist at fault then they will also pay for any additional penalties along with the original balance due. 

On XX/XX/XXXX, I followed up with Truist who told me the research would now not be completed until XX/XX/XXXX, which is an extra week beyond the original date for completion. Truist also told me that the closing attorney and title company was responsible for the first property payment.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX  Account Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I am writing to file a formal complaint against Wells Fargo Bank for their dismissive response to my dispute and their gross negligence in assisting me to recover the funds lost due to fraudulent activity. 
Furthermore, I am appalled by the bank 's lack of proper due diligence that enabled a significant transfer for cryptocurrency purchase without adequate scrutiny into its legitimacy. 
I initiated a dispute concerning a transaction of {$170000.00} from my Wells Fargo Bank account to the entity " XXXX XXXX '' ( SCAM ) on XX/XX/. This transaction was undertaken without my authorization, and it subsequently became evident that " XXXX XXXX '' is a known fraudulent enterprise, preying on unsuspecting victims for financial gain. A warning issued by the Financial Commission further substantiates the illegitimacy of this entity, indicating a pattern of deception and fraud. 
Having been a dedicated and trusting customer of Wells Fargo Bank for an extended period, I have held an expectation of security and safeguarding of my transactions. The incident involving the transfer of a substantial sum to a fraudulent organization with minimal investigation is an alarming breach of the bank 's commitment to ensuring secure banking services. 
I demand Wells Fargo Bank to take immediate action in resolving this issue. The bank is obligated to refund the entire sum of {$170000.00} back into my account promptly. Furthermore, I insist that Wells Fargo Bank conduct a thorough and exhaustive investigation into the matter. The purpose of this inquiry should be to determine how such a transfer was permitted to occur without requisite scrutiny and to establish robust measures that prevent such incidents from recurring. 
It is the unequivocal responsibility of Wells Fargo Bank to protect its clientele from malicious financial activities. I urge the bank to treat this matter with utmost seriousness, addressing the issue earnestly to provide the full restitution of my funds. As a longstanding patron, I anticipate the bank to demonstrate transparency, dedication, and resolve in rectifying this situation. 
I implore your office to intervene in this matter and to ensure that Wells Fargo Bank undertakes the appropriate actions to retrieve my funds. I insist that the bank 's approach be proactive, comprehensive, and effective in preventing such episodes from arising in the future. 
Kindly apprise me of the status of my complaint and the ensuing actions taken by Wells Fargo Bank. 
Timely resolution and appropriate compensation are of the essence in this matter. 
I await your prompt response and a satisfactory resolution to this grave issue. 
Thank you for your immediate attention to this formal complaint.
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: KEYCORP (IN)

I was working with a lender ( XXXX XXXX ) from KeyBank and trying to get a mortgage through them. The lender advised that he was getting us on a no money down loan and a grant of {$5000.00} to help with the closing costs and furnishing the home. After the application process was started I was advised I did not qualify for the grant. The lender continued with the application as requested. Lender took {$500.00} for an appraisal application fee to have the home appraised. It was then brought to my attention that there was an issue with the homestead exemption, which should have been caught prior to this application being submitted to underwriting. The lender kept advising me one thing and then would tell me realtor another thing. The line of communication with the lender was all very closed. In fact, he blocked my number and stopped responding to my realtor. The lender advised me that if I could not show a specific amount of money in assets there was nothing he could do to assist. The lender admitted on multiple occasions that he missed something or messed up when it came to my application but did not want to rectify or try to assist in any way. He kept asking me to provide money I contiously advised I didn't have. Once the lender was advised I was going to work with another lender all communication stopped and I was emailed a denial letter. The lender has refused to refund my appraisal application fee even though the appraisal never happened, nor was ever even scheduled. He stated it could be held on to and applied towards another loan, but there is no other loan with that bank.
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

Someone stole my identity and open a credit card. I asked the company if someone gave them prove of identification and they said they don't have none. The lady than took her word back and said she doesn't know if anyone gave ID to open account. I asked for a statement for I can file a police report she said she can't. I honestly felt she didn't want to help, she only wanted to collect money. I tried to explain I did not open this account but than I get hung up on after I was placed on hold for XXXX minutes.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

OnXX/XX/2023 I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TX)

XX/XX/XXXX I was moving to a new address so I went to the Corporate XXXX  office in XXXX m, TX to change address on the account and to make me the primary account holder removing XXXX XXXX ( my mother ). I was receiving bills in my name and everything. Everything was changed and completed. XXXX we decided to switch providers to XXXX XXXX  had a deal to buy you out of the contract. They told me it takes about 3 to 4 months to let XXXX know. XX/XX/XXXX I called XXXX to make sure we were squared away and everything had been taking care of. The employee told me I was good to go and if I decided to come back to the XXXX family to let them know. I never received anything regarding non payment or anything. XX/XX/XXXX I received a phone call from Sequium Asset Solutions looking for my mother. They reported to my mothers credit for the amount of XXXX. My mother called them. They told my mother that the actual amount was for XXXX but your daughter sent in a check that has bounced multiple times which has accrued the additional charges for insufficient funds. I never sent a check I was under the impression that everything was taken care of. She gave them permission to talk to me. So I called them XX/XX/XXXX and told them that my mother shouldnt even be on the account anymore that I had her removed. So they should t be calling or reporting to her credit at all. That XXXX bought out my contract and XXXX told me I was squared away. I also let them know about the check I supposedly sent. I asked for a copy they refused to send it. The woman named XXXX XXXX said it sounds like you are disputing this debt. I said yes maam this information you have is all wrong. Well we can work with you and you could just pay the amount of XXXX would you be willing to do that. I am disputing all of this debt. She never told me what I needed to do or what my options were to dispute the matter. She hung up on me. They called my mother and said they have no records of mine and their conversation or my mothers previous conversation. She also asked again about the check they claimed had bounced and they denied they said that. They told my mother they will continue to attack her credit every month until the debt is paid. My mother disputed the collection on her credit through XXXX XXXX
Consumer complaint received 2023-10-10
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: OneMain Finance Corporation (NY)

I sent my fraud report to these companies, letting them know that it was not me that applied on those inquire reports and they still have not done anything about it. I would like these reports investigated and removed once they find out its not mine or I will have to sue them for this inconvience.
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (GA)

On or about XX/XX/XXXX, I initiated online contact with Sr. loan office XXXX XXXX of SunTrust Mortgage regarding a HELOC vs. 15 year cash out refinance. On XX/XX/XXXX at XXXX, XXXX XXXX sent 2 proposals for a 30 year refinance. At XXXX, I informed XXXX XXXX , that I would not be moving forward with his proposals. XXXX XXXX insisted on communicating with me after I advised him again at XXXX and XXXX that I would not be moving forward with the process. XXXX XXXX then sent disclosures for me to sign ignoring the fact that I told him on 3 different occasions that I would not be moving forward and requested a supervisor. On XX/XX/XXXX at XXXX, XXXX XXXX sent me an email requesting additional information o send to underwriting. Additionally, XXXX XXXX made an inquiry on my credit report after I advised that I would not be moving forward on XX/XX/XXXX. XXXX XXXX is now bordering on the line of harassment and bullying. After advising him on three separate occasions that I will not move forward, he proceeded to send disclosures, access my credit report, and request additional information.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

This is my first 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 an 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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. (VA)

In accordance with the Fair Credit Reporting Act on my current credit report from the three credit agencies, XXXX, Experian and XXXX, Reference # XXXX and 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Here is a list of credit card charges that I did not make with this bank. 1. XX/XX/XXXX XXXX XXXX XXXX for {$24.00} 2.XX/XX/XXXX XXXX XXXX for {$19.00} 3. XXXX on XX/XX/XXXX {$28.00} I had to XXXX what that was to be honest. 4. XXXX XXXX  XXXX {$71.00} on XX/XX/XXXX 5. XX/XX/XXXX XXXX XXXX XXXX {$720.00} I have no idea what this purchase is and it does not sound familiar either. 6. On XX/XX/XXXX {$1.00} XXXX XXXX XXXX XXXX 7. XXXX XXXX {$140.00} I do not have any pets as well not even in this year nor month on XX/XX/XXXX 8. XX/XX/XXXX XXXX  XXXX {$30.00} XXXX XXXX XXXX 9. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX? {$380.00} 10. XX/XX/XXXX XXXX for {$30.00} and {$30.00} as well. 11. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX for {$51.00} and {$54.00} 12. And this last one is a transfer of {$2.00}, XXXX what is this about?