davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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. (NJ)

On XX/XX/2022 XXXX XXXX XXXX reported a hard inquiry to my Transunion credit report, it showed on my report XX/XX/2022. I called XXXX XXXX XXXX and they could not pulled up any information showing I had an account with them or applied for credit nor could they offer a way to stop reporting it. Next I called Transunion to inform them that I do not have an account and never applied for credit with that company, and they were of no assistance and told me to file a complaint.
Consumer complaint received 2022-12-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

This the XXXX since XXXX I have made request with Wells Fargo Bank for XXXX XXXX. I have never request for XXXX XXXX neither I have been provided XXXX XXXX. Refusing to provide XXXX report is XXXX violation. 
CFPB has refusal and CFPB should now choose deal with XXXX violation. 
Wells Fargo Bank stated they provided records yes many times and many times records that was provide not related my concern but totally different. Many times, Wells Fargo Bank response was not even related to my complaints. For example, XXXX facing eats the other facing how response received. 
Many response that was received not correct and they were false and inaccurate. My follow accuracy and response not related to my complaint Wells Fargo Bank never has been corrected, ONCE AGAIN FROM XXXX TO XX/XX/XXXX I NEVER MADE SINGLE REQUEST FOR XXXXXXXX XXXX, I NEVER RECEIVED XXXXXXXX XXXX AND REFUSING TO PROVIDE XXXX XXXX IS XXXX VIOLATION AND CFPB HAS TO TAKE ACTION ON. 
Recent XXXX XXXX XXXX fines are not good, and more fines and restitution should be charged to Wells Fargo Bank in violation of now XXXX and committing perjury. 
Wells Fargo never provided XXXXXXXX XXXX because I have never asked for it since XXXXXXXX XXXX XXXXXX/XX/XXXX. 

XXXX TIME I REQUEST FOR XXXX XXXX IS XX/XX/XXXX AND WELLS FARGO BANK NEVER PROVIDED XXXXXXXX XXXX BECAUSE I HAVE XXXX MADE ANY REQUEST.
Consumer complaint received 2022-12-22
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 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 have reasonable cause to believe that the information is inaccurate. THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX consumer report that is being furnished by XXXX, XXXX and EXPERIAN ( CRAs. The CRAs are furnishing this consumer report, divulging private information without the express written authorization of the Surety. This unauthorized activity by the CRAs has caused serious harm. This is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury if CRAs fail to CEASE & DESIST reporting without the consent of Surety.
Consumer complaint received 2023-02-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (GA)

We sold our home on XX/XX/2021. We closed with the attorneys present. The title was presented as clear and was fully transferred at the time of closing. Additionally, the loan was paid off at time of closing as was required. We received confirmation from the lender ( XXXX XXXX ) on XX/XX/2021 that the relevant loan ( # XXXX ) was paid off. We recently received a letter from the Chicago Title Insurance Company stating that we owe them {$22000.00} from a debt associated with the loan.
Consumer complaint received 2017-05-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Long story short ... 5 months to close construction to close loan. Explained via e-mail about the changes in the disclosure from original conversation/agreement. Closed today,  XXXX   XXXX . They decided shortly after the closing that the disclosure and payout were actually incorrect. The bank and title company want the moneys returned from every one ( title   company and builder/seller ) and a new closing. The title company called and told our builder that they would have them arrested if they did not return the money n ow ( today    XXXX   XXXX   XXXX ! ( I have the recording ). In light of this the bank agrees to use another title company but they say no we have to re-visit the loan and the disclosure and sign again. We just want our money back.
Consumer complaint received 2024-03-06
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)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

Greetings, It has been a couple of months since we started to get an explanation and straightforward answer to my question. However, we are still waiting for a response to that effect. We have attached the tax document we obtained from XXXX XXXX office and the first page of the closing Document to give you an idea of why we were requesting an explanation of how my monthly payment increased from {$1800.00} to {$2500.00} with a monthly increase difference of {$690.00}, which make XXXX 12 months. We also need help understanding that the escrow shortage you have reported amounts to {$5200.00}, which we didn't accept your explanation for, is {$5200.00}, which leaves a {$3000.00} with no description. 

This differs from the original payment agreement we signed when we closed the house. We understand taxes and insurance amounts change, but this change needs to be clarified. Since you took the payment before we agreed and understood, we have deactivated the autopayment I set up. From here on, We will only send the original settlement of {$1800.00} until we settle the issue. Please send us the address where we can send the following payment before it is due. 

XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX  has violated my rights by reporting an inaccurate late payment. This was also during the XXXX pandemic. And should be removed not only because of the violation of FCRA privacy and consumer laws, but also because of the CARES ACT provisions for consumers. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2018-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I wrote a validation and verification letter to XXXX XXXX as well as to XXXX, Equifax, and XXXX   about the account. The account was charged off and XXXX XXXX sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX  has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX, and Experian all report a XXXX  XXXX Bankruptcy in Public Records. They say that they got the information from USBK Court XXXX XXXX.The U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX does not report information to any credit reporting agency. The Court does not have any control or jurisdiction over credit reporting agencies. They sent me their sealed documentation stating this. This is a violation of my privacy as provided thru The Privacy Act of 1974, the right to Opt Out, using 15 USC 1681 ( b ) Permissable Purposes, 15 USC 1681 ( a ) ( 1 ), and 15 USC 6802-6805, Obligations and Enforcement.
Consumer complaint received 2023-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

Unfortunately this is part 2 of my complaint, the first complaint on XXXX was due to unethical business tactics, lieing to the XXXX program, by claiming I had agreed to a loan modification, which wasn't true. Loancare/Lakeview have yet to reply directly to me in reference to that complain. Instead they decided to retaliate. I was placed back on the forbearence plan, after loancare 's first attempt at foreclosure. I am not due to make a payment until XX/XX/XXXX. Why is that my house is again up for preforclosure with no notice, or warning and only 2 days from now? Retaliation for the first complaint. Is that not illegal? For sure it shows a trend of abusing their position in the financial industry. My sister is XXXX of the XXXX XXXX in the jurisdiction she lives in and I am aware that this doesn't fall under her responsibilities, but I don't have many options and will need help from her contacts. Is that unethical? The last thing I want to do is emulate the behavior of loancare. Incidentally when I went through the modification documents, the modification was over a XXXX dollars MORE than it was before this modification. To summarize Loancare was not happy that I had chosen, the program that would put me up to date on my mortgage, giving me not only peace of mind, but some wiggle room. While loancare thought a modification that increased my monthly payment. It was a no brainer. How was I supposed to respond? Oh sure lets go ahead and keep me struggling to make my payments??? I am devastated over this situation. I'm having nightmares over being alone in the middle of nowhere, with nothing no supplies, no food or shelter. I had no idea that this kind of behavior was even possible from a mortgage company. Had I known that the end game was a financial company that obviously thinks I'm to stupid to understand whats happening. I know their role is to lend money and their bread and butter is interest rates. I never would have believed that this kind of tactic would even be considered, much less be implemented into a companies atmosphere. 
As for a fair resolution, that has already been taken from me. I have absolutely no trust at all in this company, I do not see them being fare about anything. The only thing I can see is that Loancare thinks they are above the Treasury, the arizona governor and the protection laws that are in place in regard to forclosure and homelessness prevention. Based on this situation, this company will honor nothing, It's an obvious trend in this companies environment and when it gets to be this blatantly prominent theres nothing left.
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo XXXX incorrectly denied mortgage loan modifications to certain qualified borrowers, the order states. 

We saw this in the news and this definitely happened to us. We have enough money to cover the rest of our mortgage, but didn't want to pay it all at once. 
in XXXX, We were refinancing to a 2.1 mortgage and it was lasting for months, they kept making excuses and then eventually turned us down because a side business/hobby didn't make money last year. It took a small loss of a couple thousand. My wife alone could cover our mortgage and my other business does well too. I think they didnt want to have such a low rate and were looking for excuses. It was so obvious, but we didnt report it, my wife was handling the refinance and she was done. They grilled her left and right, we have almost perfect credit scores. I'm a veteran. There was no true reason.
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MA)

On XX/XX/2015, I moved out of an apartment. My rental payment was paid in full. From that point on, company has repeatedly called me, harassing me about a Balance of {$18000.00}. This amount has changed multiple times. 

Since receiving the first notice of a debt in 2015 ( the size of a loan ). I have requested a full inquiry to find out what the debt was for. I have been told by representatives, I will get the requested information, including my response to the debt by email. 

I still have not received them. Ive sent multiple money order receipts, ledgers from the management office and Housing court documents to support the dispute. 

For years I have been fighting to get this unknown debt permanently taken off of my credit report.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2018-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wrote a validation and verification letter to XXXX XXXX  as well as to XXXX, XXXX, and Transunion about the account. The account was charged off and XXXX XXXX  sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act, XXXX XXXX acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-06-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar has reported false and incorrect information to the credit bureaus indicating I am more than {$110000.00} delinquent. Nationstar 's predecessor, XXXX XXXX XXXX, NEVER attempted to collect after the foreclosure sale. 

There 's been active litigation between XXXX and myself since XXXX 2012. I have included the most recent docket entry on the Federal lawsuit.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-04
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX
Consumer complaint received 2022-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, my desktop computer was hacked by scammers without my knowledge or consent. They hacked into my Wells Fargo Bank savings and checking accounts and transferred {$40000.00} from my savings account to my checking account without my knowledge or authorization. The Electronic Fund Transfer Act, a law passed by Congress in XXXX, protects consumers from, among other things, Unauthorized Electronic Funds Transfers. 
On the date cited above, I received an email claiming to be from the XXXX XXXX which said that {$430.00} had been debited from my checking account to renew a PC support service. The email provided a phone number to call to cancel the service and get a refund. I called the number, and the scammers led me in filing out two online forms to get the {$430.00} refunded. When I attempted to fill in the refund amount on a box in the second form, instead of populating {$430.00} it populated {$40000.00}. The scammer said that the only way to fix the mistake was for me to send a wire transfer to reimburse XXXX XXXX for the over- payment of the refund. He provided information about a XXXX XXXX  account to wire transfer the money to. I foolishly went to a Wells Fargo branch and sent a domestic wire transfer of {$39000.00} to this account. 
The next day, XX/XX/XXXX, I discovered that my savings account was {$40000.00} short. The scammers had hacked into my bank accounts and transferred {$40000.00} from my savings account to my checking account without my knowledge or authorization. Also, I learned that {$1000.00} was transferred from my checking account to somebody named XXXX XXXX without my knowledge or authorization. I have never heard of this person. 
Here are the actions I have taken ; 1. I reported the incidents to a local Wells Fargo branch and to the Wells Fargo Bank Fraud department. I also had the bank open new checking and savings accounts. 
2. I reported the incidents to the Federal Trade Commission. ( Report attached. ) 3. I filed an IC3 report with the FBI. ( Report attached. ) 4. I reported the incidents to the XXXX XXXX XXXX XXXX XXXX ( Report not attached. ) The Wells Fargo Online Fraud Claims department researched the incidents I have described. Wells Fargo credited {$1000.00} back to my checking account for the unauthorized transfer to XXXX XXXX. They did nothing beyond this and declared my claims to be closed. 
Note : None the categories in Step 2 of this complaint accurately describe my issue.
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021