davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

I closed on a FHA Loan from XXXX XXXX on XX/XX/XXXX, that is because they told me I didn't quality XX/XX/XXXX but I did. The loan was audit/Closed, same day. The loan was sold to XXXX XXXX Mortgage, without my approval. XXXX XXXX XXXX XXXX XXXX XXXX, took XXXX dollars from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX we was in the Foreclosure Court with XXXX XXXX Firm representing XXXX XXXX, and they towed my truck. XXXX XXXX law firm rushed my wife into signing all documents before I had the chance to get her to understand the house should not be added. They used her income. I just got back in the workforce, after XXXX Properties let me go XX/XX/XXXX, because they was caught by XXXX, frauding my identity/business, still was denied unemployment Claim from XX/XX/XXXX. I know we are supposed to have a comfortable payment, but instead they wanted XXXX a month for 60 months. I was told in the XXXX  meeting on XX/XX/XXXX that I needed not talk because the other guy wasn't pleasant. but this is who I suppose to trust. Same individuals who took my car after our XXXX Bankruptcy closed and A XXXX lien was attached to XXXX XXXX XXXX XXXX XXXX NC, XXXX to XXXX, still was about to get a house. My business insurance was to be audited a year from start date, state farm never told me about it.
Consumer complaint received 2022-12-08
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. (MI)

i XXXX XXXX ASKED THE CREDIT BUREAU TO DO A PROPER VERFICATION OF MY CREDIT REPORT, THEY STATED EVERYTHING WAS ACCURATE, AND I DID A PROPER CHECK MYSELF. I FOUND INPROPER INACCURACY ON MY CREDIT REPORT, EVEN AFTER THEY DID THEIR VERFACATION RESEARCH. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXXXXXX 4.XXXX XXXX -- XXXX XXXX ACCORDANCE TO THE FAIR CREDIT ACT CONVERGING ACCOUNT HAS VIOLATED MY RIGHTS, 15USC,1681, SECTION 602,, STATES I HAVE THE RIGHT TP PRIVACY.

15USC, 1681, SECTION 604, SECTION 2, STATES THAT CONSUMER AGENCY CAN NOT BE WITHOUT WRITTEN ONSTRUCTIONS 15USC, 1681, S2, A1, A PERSON MAY NOT FURNISH INFORMATION RELATED TO ANY CONSUMER AGENCY IF THE PERSON KNOWS OR HAS REASON TO BELIEVE THAT THE INFORMATION IS IN ACCURATE
Consumer complaint received 2022-12-08
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)

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
Below are the following accounts that need attention in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express profound dissatisfaction regarding the persistent presence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the company associated with the fraudulent account. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent account would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when the aforementioned bureaus have already removed it. I urge you to delete this account from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-08-18
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. (VA)

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

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX I was unable to access all of my accounts ( a total of XXXX accounts including Checking, Savings and CD 's ) at Wells Fargo Bank via online banking. My Wells Fargo debit and credit cards were also declined when I tried to use them. I called the XXXX number on the back of both cards and I was told that Wells Fargo had listed me as deceased and had frozen all of my accounts ( Savings, checking, etc. ) and closed my credit card. After many attempts at getting answers, I was told I was listed as dead and needed to go to a Wells Fargo Branch office and fill out a " Proof of Life '' form. My daughter helped me with this and we were able to acquired the form after waiting in the lobby for hours for assistance. Wells Fargo did not have a notary working at their bank and I had to take the form to another financial institution to get the Wells Fargo form notarized stating I was alive. I turned in the form on XX/XX/XXXX. I was told that evening that the form had been turned into the main office. My accounts are supposed to be accessible, however, I have been unable to access them on the online portal. My username does not work, and I am unable to utilize my account information to get into the system to access using forgot my password. My attempts to get help from my local branch have been unsuccessful. All of my transaction accounts were at Wells Fargo and I lost access to all of my funds. I am in the process of opening new accounts elsewhere, but still need assistance at accessing my accounts online and verifying that no other financial harm was done by Wells Fargo 's mistakes. This experience has taken a huge mental toll on myself as well as my family as I am an XXXX XXXX XXXX widow and navigating this has been difficult and has required support from my daughter. Together we have spent days working to resolve this issue with limited success and no support from Wells Fargo.
Consumer complaint received 2023-05-23
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-18
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. (PA)

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

The following accounts have violated my rights : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

I was in the process of purchasing a car. The Dealership submitted an application to Wells Fargo for an auto loan. Their interest rate was higher than what I was already preapproved for so I did not use Wells Fargo. Not long after I began receiving savings account statements from Wells Fargo, and I never Personally open the checking account with them. I have personally never had a Wells Fargo account in my life.
Consumer complaint received 2022-12-08
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. (PA)

I am writing to delete the following information in my file. The items I needed deleted are listed in the report attached. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted immediately to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-08
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. (MS)

I have submitted the FTC Report that EXPERIAN needs to remove all inquiries and accounts that should not be on my consumer report. Today I submitted FTC REPORT NUMBER XXXX. This list several unauthorized inquiries and the fraudulent account XXXX XXXX which still to date has never been verified nor validated pursuant 15 usc 1692g. These inaccuracies need to be corrected immediately.
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Empire Home Loans, Inc. (CA)

I have used this lender and was promised that he was going to give me a point by providing in lender credit at closing. He indicated and displayed the points would be given to me at closing since i don't want to buy the rate down at closing with the point. On my closing, I don't see the point in lender credit.
Consumer complaint received 2023-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MI)

On XX/XX/XXXX, I tried to pay majority of my car note. My car note is {$340.00}. I go through the WestLake Financial app to pay. I enter my debt card information, the system says there was an error and to try again. I enter the card information again and it says the payment was successful. I receive a email saying 2 withdrawals for the amount of {$300.00} was processed. I call the WestLake Financial customer service line and state I would like a refund for 1 of the {$300.00} payments. She says it will take 5-7 business days for me to receive a refund. Next, I contact my bank ( XXXX ) and asked for them to issue a temporary debit provisional until I receive the refund from Westlake. They issue the temporary provisional with no problem. The same week on the day of Friday the XXXX, I received the refund from WestLake. The following week, I go to pay the remaining balance of {$45.00} and the balance is now {$0.00}. The starting month of XXXX, I pay {$150.00} and it tells me the remaining balance is {$190.00}. The following week, I go to pay the remaining balance and it shows a balance of {$540.00}. I contact Westlake Financial to see what the issue was and was told I have a leftover balance of {$340.00} from XXXX. I tell the representative thats not right and that the whole payment was made already. The representative hangs up and I call several more times but no luck as most of the representatives barely speak English. Finally able get in touch with a representative who speaks somewhat better XXXX and he tells me XXXX reversed the payment on the XXXX of XXXX. He told me in order to make my account balance current, I would have to pay {$160.00}. After paying the {$160.00}, he says there shouldn't be any issues. Several more representatives from WestLake contacted me about making a payment and I Immediately asked to speak to a supervisor. He tells me his records doesn't show a payment being made besides the {$45.00} and he wouldn't be able to give me credit for {$300.00} and there was nothing he could do. He asked me to email WestLakes dispute department a copy of my bank transactions showing they took out two payments of {$300.00}. I email them the copy and I haven't heard anything back from them yet. I contacted XXXX and they state that their records doesn't show a reversal on the XXXX nor do they see an extra {$300.00} in my account showing from WestLake. As every single day goes by, they add on {$7.00} which has amassed {$400.00}. I have never missed a car payment for the couple months I have had this vehicle and don't wasn't this to mess up my credit because an error in the system.
Consumer complaint received 2020-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am trying to get a payoff, and I can not get in touch with a person. 90 minute wait times which are not realistic. I can not access this electronically because BOA has refused to acknowledge that I am the persona representative of the estate.
Consumer complaint received 2023-08-18
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: Experian Information Solutions Inc. (NC)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. 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 IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please remove these inquiries. I dont recognized them. I have file identity theft report. See attached. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (GA)

On XX/XX/2022 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 for 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 Data Breach and may have got into the hands of the wrong person. I already created FTC report to request a remove on the items but there is no changes that has made
Consumer complaint received 2022-12-07
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. (GA)

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of 2008 that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ;
Consumer complaint received 2023-08-14
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. (CA)

I am reporting a fraudulent inquiry on my credit report from XXXX. Inquiry date XX/XX/2023 I am requested this inquiry be removed from my credit file because it is a fraudulent inquiry not made by me. I have already filed a dispute with Experian as well as contacted XXXX  but they said there was nothing in their system.
Consumer complaint received 2022-12-07
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. (GA)

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of 2008 that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ;
Consumer complaint received 2022-12-08
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. (MS)

STOP BREAKING FEDERAL LAW! The creditor XXXX  is furnishing FALSE credit information to a third party ( EQUIFAX ) to bring harm to MY consumer credit reputation aka defaming MY character. The consumer reporting agency EQUIFAX is negligent in their duty to investigate this disputed information for XXXX opened XXXX XXXX for {$11000.00} Is this a debt or an extension of credit? 
Is this an extortionate extension of credit? 
Can you provide me with a Bill of Assignment? 
Can you provide me with a Chain of Title? 
Has insurance been filed for this account? 
Has a 1099-c been filed for this account? 
Provide your Errors and Omissions insurance Disclosing or obtaining information of a customer by false or fraudulent pretenses constitutes a violation of the Gramm Leach Bliley and aggravated identity theft 18 U.S. Code 1028A. Pursuant to 15 U.S. code 1666B it is impossible to be late on an extension of credit. EQUIFAX is furnishing late payments on an extension of credit on behalf of XXXX. If a consumer is late on an extension of credit ( that ) is no longer an extension of credit. It is instead defined as an extortionate extension of credit 18 U.S. Code 891. Extortionate extensions of credit fall under RACKETEERING activity 18 U.S. Code 1961. If this account is not removed from my consumer report immediately I will be including EQUIFAX in a RICO along with XXXX!
Consumer complaint received 2022-12-08
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. (MS)

I called, I emailed the CEO, I wrote goodwill letters and more. I respectfully requested a goodwill adjustment to remove the late payments ( XXXX, 2019 and XXXX, 2019 ) from my file with all three reporting agencies. I also told them it's illegal because of 15 U.S. Code 1666b - Timing of payments and 15 U.S.C. 6802 plus 15 U.S. Code 1681a, ( 2 ) Exclusions ( i ). They still haven't fixed it.