davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

This all took place in just the past two weeks. I got a DM on XXXX on XX/XX/XXXX from this art account ( XXXX ). She asked if she could paint a picture of me and I was like " Sure! ". It was super convincing. So she was like I'll send you a check for {$2000.00} but you get {$500.00} and send it like the company I work for the rest. So on XX/XX/XXXX, I asked her some questions just to like to make sure that this was safe and she reassured me that it was she emailed me a check for {$1500.00} and I deposited it. I was convinced that this was safe. So I deposit it none of my finance apps were working to send her " higher ups '' the money on XX/XX/XXXX. Burt today XX/XX/XXXX I thought we could try to XXXX XXXX and that worked today XX/XX/XXXX I get an email from my bank ( wells fargo ) saying that they are closing my account because of a suspected altered check. So I just don't know how to move further and I remember seeing this video for the CFPB. So now here we are and I just don't know how to proceed. So now I'm going down this spiral of what to do.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These account is reporting have different dates under date of last payment or showing a past due balance on a closed and open account. Stop reporting this due to FCRA noncompliance of an accurate data being furnished on my consumer reports. These also states it was in XXXX and XXXX when this was opened and closes this is over 7 years ago. To old to be showing on my credit report and should be removed from all credit reporting bureaus already
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (IN)

There is an account with Truist that needs to be addressed. Its my fathers account that is still open. He has been deceased since XXXX. I inherited his property and had the mail forwarded to my house recently as we were moving utilities, etc .... The property came into my name in XXXX and I realized I should stop the mail. 
There is a bank account statement with XXXX in it and the bank is refusing to freeze it and says we have to come to the branch. 
We are in XXXX and this is in XXXX. 
We cant just come there, they need to have a freeze placed and we want to know who is using this account!! We knew there was an account but he died at XXXX and his home was ransacked so we couldnt find any information. Supposedly there wass XXXX in an account and now there is XXXX. 
We want it frozen we want answers so we can get an attorney and figure it out.
Consumer complaint received 2023-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

I received an alert on my credit on XXXX XXXX by a company called XXXX XXXX management on behalf of XXXX XXXX XXXX I called & spoke with them & explained that my wallet had been stolen back in XXXX & that I did have an account with XXXXe that I had did a settlement for {$1200.00} & they asked me to mail proof & I did & the charge was deleted. Then on XX/XX/XXXX another company called XXXX XXXX XXXX on behalf of XXXX XXXX XXXX reported the same {$700.00} again. Ive been a victim of identity theft. If you check my credit report, you will see the charge was deleted
Consumer complaint received 2016-08-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

XX/XX/XXXX, I filed a complaint against Nationstar. Please see Case number XXXX. In the meantime, the property in question was listed for sale with a local realtor. After over 300 days on the market, we were able to find an interested buyer. Nationstar was informed that a short sale buyer was interested, and the realtor followed the instructions of Nationstar. I also submitted all documents requested by Nationstar. Recently, I was notified by Nationstar that the short sale was denied because the application was incomplete. I have attached a copy of the letter sent by Nationstar.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to address a significant error on my credit report resulting from incorrect reporting dates on accounts with the banks mentioned. Due to an error by the bank in sending statements to the wrong address, I experienced late payments that were not accurate. The bank has acknowledged the mistake, and I urge you to promptly update my credit report to accurately reflect that the accounts were never late, ensuring the correction of this error that adversely affects my credit standing. Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$65000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-03-08
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. (PA)

I would like to remind you of the XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX ] and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX ( XXXX ]. These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collectors word. have faith that your establishment will do the right thing and truly investigate the matter and if you do not have proof the debt is valid then DELETE the information. 

Account Name : US Department Of Edu Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3800.00} Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MOHELA (TN)

This number has been leaving messages that include the line, this is an attempt to collect a debt, which I thought was not allowed. 
It is potentially disclosing a debt to a third party. 

Please Advise. 

XXXX XXXX
Consumer complaint received 2024-03-08
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. (FL)

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 FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CA)

In mid XXXX or there about ; I received notice of a Collection on my credit report. The report stated it was from a debt owed to a XXXX 's XXXX company in the amount of {$110.00}. It also stated the debt was obtained in XXXX of XXXX! First I do remember beginning a purchase online but the purchase was cancelled immediately after I initiated it ( after reading reviews on the Company/Products ). I never received anything from XXXX XXXX ( which I believe was a kitchen dining set-not sure as I had just returned to my home after being away for nearly 8 years and I was remodeling and redoing everything ). At any rate I did not think anything of it ; until over a couple of years later I find this derogatory collection on my Credit Report ( XXXX ) : XXXX and XXXX. After several attempts to get clarity from XXXX XXXX I was instructed to reach out to XXXX XXXX ( the Collection Agency on behalf of XXXX XXXX ). I called numerous times asking for information regarding this {$110.00} debt I owe. I have only received non-sensical statements, with no content but available " payment offers ''. Nothing that shows I purchased anything or how this " debt '' was obtained. I want XXXX XXXX to remove this fraudulent debt from my Credit immediatedly. It is not a debt I am responsible for.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I filed a previous complaint for this same issue with American Express. XXXX. I was sent this letter. XX/XX/year> which I have attached. They have lied contacted numerous times never recieved the credit. Today is XXXX XXXX I still have not recieved the credit with this company.
Consumer complaint received 2023-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

In XX/XX/2021 I went to XXXX XXXX XXXX room. They conducted certain tests. I subsequently received a bill for {$3900.00}. In reviewing the bill, I saw that I was charged twice for the same test ( the duplicate charge was {$610.00} ). I was at the ER for just over an hour, and knew that they hadn't performed the same test twice. I contacted XXXX XXXX to inform them of the double billing. I was given the run around -- telling me they would get back to me. When they finally got back to me the answer was that the test must of been done twice, as they never make mistakes on billings. 
They kept calling me for the full payment including the double billed amount. I finally decided I would offer to pay the bill minus the double billed amount of {$610.00}. I wrote a letter to XXXX XXXX explaining the situation and sent my check for {$3300.00}, and advised them that if this wasn't acceptable they were not authorized to cash my check. I even noted on the reverse of the check this was in full payment. XXXX XXXX accepted my check for {$3300.00}. I am now being harassed by a collection agency claiming {$610.00}.
Consumer complaint received 2023-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

I've submitted my XXXX application to Mohela by faxing it to XXXX several times starting XX/XX/XXXX and most recently XX/XX/XXXX. I have my confirmation sheets. Everytime that I call Mohela, they say that they do not have my fax and that I should re-send it. Also that they can not look my information up to see what is happening because my loans are not with them. They tell me to call my XXXX XXXX, but my loan servicer sends me back to them because they say that they are not facilitating the XXXX program. I am getting the run around both ways.
Consumer complaint received 2023-06-19
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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. (NJ)

This is my tenth 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 alleged fraud or extortion XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Remove the inaccurate information on my credit file that are fraudulent which are posted on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; AR CHILD SUPPORT SER XXXX  Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; AR OFF OF CHILDSPRT ENFO XXXX  Opened XXXX. XXXX, XXXX Balance {$3400.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-06-19
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted proof from my bank showing that I was never late/delinquent on my XXXX XXXX Auto account. I will attach my bank statement from XXXX  XXXX XXXX here. I am asking for all of the late payments to be removed. Or for the entire account be removed from my credit file.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-02-03
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX off XX/XX/2016 misinformation on all three-credit reporting in which the account sent to two other collection agencies, and four the past XXXX years paying repair companies and reinvestigations. on and about i called XXXX XXXX XXXX and was forwarded to another collection company in XXXX and was paid in full, XXXX shows thansfer Transunion and XXXX shows Charged off with different dates. 

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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to my consumer to any. Consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo ATM entered an incorrect amount on a check I gave to my son. After countless hours on the phone and visits to the bank in person, ( we were given different information each time ) Wells Fargo failed to honor the check. They are telling him to just get another check!! This is Wells Fargos fault and they will not resolve it satisfactorily. Its caused a lot of wasted time on my sons part, and anguish on mine! 

Wells Fargo also will not return the original check to us. According to them The Case is CLOSED.
Consumer complaint received 2023-01-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

After numerous failed attempts to rectify my issues with Mohela, I am completely frustrated.I have submitted information and documentation in regards to my loans. Yet I was informed that a forbearnace would be needed due to back log. That request has not been completed and I keep recieving bills despite I should not. No updates have been given after calls by myself to check status but the same rhetorical statements. This has placed me in a horrible situation ( credit reporting which is unfair ) that I would like to be rectified. Mohela calls range from ( 2-3 hr hold times ) with no resolution.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.