davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX  and TransUnion has allowed this fraudulent company XXXX XXXX XXXX to report that I owe XXXX {$400.00}. This not right this fraudulent did not send me anything in the mail and how can you just report something to someones credit report before verifying. I informed these people time after time that this account didnt belong to me I requested that this company send me copies of a contract I physically signed and drivers license and ssn number provided to them and used. This company has failed to do so but they reported this my credit report. This is a fraudulent account I never opened and I will contact an attorney if I have to if this account is not removed. This company can not provide anything about me because I never had an account with them and I want this account off all my three report immediately.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (AR)

XXXX  is reporting the account with NCB MANAGEMENT SERVICES inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for all credit agencies including XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After the dispute I sent the agencies on XX/XX/XXXX this inaccurate account was deleted from my credit report on XX/XX/XXXX. On the report of XX/XX/XXXX XXXX  reinserted this back to my credit report. I have disputed this again since then.. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint.
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (TX)

I have reached out to Equifax, XXXX and XXXX well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report. The accuracy of the data reported is inaccurate. If they received the same information from the same company/data furnisher then why is there different information showing for all three credit bureaus. All information must be the same not misleading and falsely reporting. All information must be accurate or it must be immediately removed from my credit report.
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe were reported in error. 

XXXX XXXX XXXX : {$6900.00}
Consumer complaint received 2021-05-25
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: SYNCHRONY FINANCIAL (CA)

In a recent review of my credit report, I have noticed some errors. Please make the following changes : XX/XX/XXXX, I realized someone opened the TJ MAXX credit card under my name, left an unpaid balance and leave a negative effect on my credit report. I contact The Synchrony Bank : and make a Payment of {$170.00} today date XXXX 
Ref # XXXX. The account is closed. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (CA)

I contacted Consumer Adjustment Co about a debt I owed to XXXX XXXX XXXX XXXX Mastercard for {$800.00}, now {$1200.00}. I spoke with Mr. XXXX on XX/XX/XXXX, XXXX, XXXX. He claimed they were waiting on the XXXX XXXX XXXX to release the debt I owed them over to them. I was not happy with the waiting, i offered XXXX for the debt, and they said no. I needed to pay XXXX. I said maybe in payments. He never got back to me. I called and spoke with XXXX XXXX. She offered me a deal of XXXX, but claimed they were still waiting on the Bank to release the information. That was on XX/XX/XXXX i spoke with her. I then started receiving calls from XXXX XXXX stating the same of just waiting on the bank of missouri. That was on XX/XX/2017, and XX/XX/XXXX i received a call from XXXX, went to voicemail. I have those voicemails. I called back and spoke with a secretary who told me that a company called XXXX associates would be handling my case now. I told him i never was in agreement with this company, and no longer felt that their practices were lawful. I called XXXX XXXX on XX/XX/XXXX and advised them not to contact me, and that i would make a report to the Attorney Generals office, and the FTC and CFPB regarding the deceptive debt collecting practice. I believe they never owned the debt and took advantage of me by calling them and offering to settle. This debt should be nullified due to i was never agreement with any 3rd parties. This company also told me that they would now collect this debt for XXXX associates and the bank of missouri anymore, and to send them the money. The companies are both the same address and phone numbers attached. I have a copy of the new letter they sent me trying to collect under another name. I waited over 55 days for this company to produce something and they never did, just another collection letter from them with a new name claiming they are the ones that are now owed.
Consumer complaint received 2017-02-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

I reviewed my credit report and observed that AFNI conducted a hard hit inquiry that I did not authorize. AFNI has previously attemted to collect a debt that is not mine. After I filed a complaint with the Consumer Financial Protection Bureau, AFNI withdrew from attempting to collect a debt that I did not owe.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL CREDIT AGENCIES REPORTING INCORRECT INFOR ... .REMOVE OUTDATED PUBLIC RECORDS PAST 7YRS AND SAME DATA REPORTED ON FILE XXXX X, REF # XXXX, REF # XXXX
Consumer complaint received 2024-02-28
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 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 2021-05-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I had a previous complaint, # XXXX, I'm not sure why it closed, as soon as they answered the complaint to you, you closed it. Seems like you would have questioned me to see if their answer was acceptable. I have been communicating with XXXX XXXX at Wells Fargo, since before XX/XX/2021. I paid off a line of credit based on my online balance. They even asked me if I wanted to close the line of credit, or leave it open. I left it open. Then they came back with approx. {$1100.00} in interest that was still owed. I asked for a spreadsheet with information showing me how they came up with this. The spreadsheet clearly shows they carried interest forward over many months while I paid large amounts to pay off the loan, over time. 
My contract with Wells Fargo clearly states : " Application of payments. Payments will be applied in the following order : First, to the accrued but unpaid promotional Finance Charges due : next to non-promotional Finance Charges due : next to any Fees that have been charged in accordance with the terms of the Agreement. The remainder of any payment will be applied first to any unpaid promotional Advances and then to any non-promotional Advances. Promotional Advances and Finance Charges refer to offers to use my Account on special terms that you may make to m from time to time : ... '' Clearly this did not happen or they would never carry forward an " unpaid interest '' amount, when I paid over the payment amount. 
I emailed XXXX XXXX on XX/XX/2021 after I received her response. I asked her for clarification on why this wasn't followed, but got no response. Therefore, I need you to interfere to correct this, or my only option after that would be to take them to court.
Consumer complaint received 2017-02-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Carrington Mortgage Services has raised the monthly payment on my 30 year fixed rate mortgage 3 times in the last 4 years without notification. They have also charged invalid late fees I have tried to resolve with CMS and they have ignored my requests.
Consumer complaint received 2024-06-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (NY)

Mr. Cooper Group Inc et al., has not validated the debt. They continue to send letters that have diffrent pay off quotes none of which are the same. This shows that the XXXX, GAAP. This is the second flurry of letters that do not validate debt. Mr. Cooper has tried to have XXXX XXXX  collect the funding by placing XXXX XXXX  information in the letter for me to remit payments to them. I have not done business with XXXX XXXX. So this request makes XXXX a debt collector for a debt that is not validated as well. I also recieved a letter via XXXX stating that there was a lien in place. The only lien that is on the public record is my UCC 1 with financing statement on the orginal promissory note referencing the location of the real property real property. The company couldn't pefect a lien if they wanted to because I am not a debtor. They failed to pay the taxes and file the note now security and register it into a XXXX. Therefore, they have a taxable termination. I will pay the local taxes personally but they need to answer to the IRS for the funding that is not being registered and secondly the taxes that are not being payed from not registering this security into a XXXX.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NV)

I have an account with Coinbase to buy and sell crypto currencies. On XX/XX/XXXX I contacted them to freeze my account because I thought that my account may not be secure. They froze it but when I asked them the next day to unfreeze it, they did not. For 10 days I have asked them to unlock my account. I have only received auto responses. No one has reached out to me and my account is still frozen. Since the time that I requested that they unfreeze my account, the value of my investment went down almost 50 %. I have no access to my account and I have no means to communicate with Coinbase. They do not have an address or a phone number. A customer can only send messages thru their website. The website only send auto responses.
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (GA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

Bayview Loan Servicing forced lender placed insurance in the amount of XXXX for a property that I paid {$80000.00} or thereabouts for Annual premium is {$15000.00} I
Consumer complaint received 2021-05-25
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. (DE)

I have reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I received notice from XXXX XXXX the credit card ( mobile payments ) numbers were hacked that were used in my purchase made onXX/XX/2021. These unauthorized charges were placed on my account : XXXX XXXX. *XXXX XXXX XXXXPayment - {$6.00} XXXX XXXX. *XXXX XXXX XXXXPayment - {$6.00} XXXX XXXX XXXX XXXX XXXXPayment - {$6.00}XX/XX/XXXX XXXX XXXX XXXX XXXXPayment - {$6.00} XXXX XXXX XXXX XXXX XXXXPayment - {$6.00}XX/XX/XXXXXXXX XXXX XXXX - {$8.00} I contacted Paypal about the charges and they returned a message dismissing my claim saying that these charges reflect normal usage. 

Attached are : The Declination letter from Paypal Copy of XXXX XXXX Payment Made from the Mobile Wallet Fraud letter from XXXX University Regarding XXXX XXXX
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX to remove these items 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 accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$210.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2021-05-24
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: EQUIFAX, INC. (FL)

I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this accounts with someone that has a similar name as me.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

On XX/XX/XXXX we sent a Notice of Error to Freedom Mortgage stating that a number of Principal Only payments were not credited properly as we could see from the Payment Schedule we requested.. They responded and sent a Detail History dated XX/XX/XXXX. From that we were able to find most of the payments, but some were still missing and 2 checks for {$860.00} were never credited at all. 

On XX/XX/XXXX I called Customer Service and spoke to XXXX, XXXX. He helped me as much as possible with the limited information he had available. He suggested I send in copies of the cashed checks. So, on XX/XX/XXXX we sent a Second Notice of Error stating we were still missing the following : XX/XX/XXXX {$800.00} additional principal ; XX/XX/XXXX {$800.00} additional principal, and XX/XX/XXXX check # XXXX {$860.00}, # XXXX {$860.00} were not credited at all. ( I made the mistake of writing on both checks, additional principal. We also made an additional principal only payment of {$1700.00} on XX/XX/XXXX, which was credited correctly. 

We received a response on XX/XX/XXXX. They said the payments were verified and sent me a new Detail History dated XX/XX/XXXX. From this History we could see that a number of changes were done to manipulate the numbers. After 9 new entries added to XX/XX/XXXX we believe they gave a credit for {$800.00} and {$780.00}. ( not {$800.00} ) For XX/XX/XXXX they changed our XX/XX/XXXX regular payment of {$870.00} to {$860.00} and credited {$9.00} as additional principal. They have not accounted for the 2 missing checks of {$860.00} and never said they made a mistake. They just manipulated numbers and figured we wouldn't look at the Detail History and just take their word.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

On numerous occasions, I have attempted to link an external account to my Wells Fargo account. 

As per their instructions, you have to link the external account using the bank name, account number and the routing number of the external account. Upon successfully entering this information, you are to wait 2-3 business days for two trial deposits to be made into the external account. 

When these trial deposits are made, you are to go back to Wells Fargo and enter in these trial deposit amounts into the Transfer confirmation page on Wells Fargo. Once these amounts are entered, Wells Fargo approves the process and proceeds with the process of linking your external account. 

Unfortunately, this was not the case for me, I did everything required of me to link my Wells Fargo account to my external account however Wells Fargo has refused to allow me to link my account and have thus suspended my ability to do so. 

I have made many attempts, since XXXX, in fact, to complete these steps however they have blocked all of my efforts. They have sent me to Tech services, Customer service, Customer support and every other department that they could transfer me to in order to thwart my efforts. 

Regardless of where they transfer my call to and who they have me speak with, no one is willing to resolve this issue. They blame the other institution and say that they are the ones holding up this process. I contacted the other institution and they tell me that they have no issues with my account and they aren't blocking anything. In fact, they tell me that this is not the first time that they have seen this issue with Wells Fargo and it appears that thwarting the efforts of a customer to transfer funds is something that Wells Fargo does often. 

Wells Fargo deletes my requests then tells me that I have to try again only to cancel each request and try again, each time pushing the process back by 3 days. They have me in a vicious cycle of trying to access my account and each time they suspend my ability to do so. 

Each time I enter the trial deposit amounts, they claim that what I entered differs from what they have in their records. When I ask them to confirm what they claim the amounts are, they refuse to tell me. 

I have gone through this process over 20 times however they only have in their records for the month of XXXX, which is problematic. 

I need for someone to intervene on my behalf because Wells Fargo is denying me access to my account and denying me the right to move my monies to the account of my choice. 

This is wrong, illegal and reeks of shady business practices.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Regarding my XXXX credit report. I submitted a request for documented verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days. I requested documentation proving i made the inquiry and if they could not show proof then it should be removed from my report.