davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (FL)

I noticed an unauthorized hard inquiry. This inquiry was not initiated by me, nor do I have any record of granting permission for such an inquiry. 

Under the FCRA, credit reporting agencies are obligated to investigate disputes and correct any inaccuracies within 10 days of receiving a dispute. Therefore, I kindly request that you promptly investigate this matter and remove the unauthorized hard inquiry from my credit report. 

look forward to receiving confirmation of the removal of the unauthorized hard inquiry from my credit report within the legally mandated timeframe. 

Thank you for your cooperation in resolving this issue.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On Thursday, XX/XX/XXXX, I cashed my check of {$1200.00} at a XXXX XXXX. I then went to a Huntington Bank in the XXXX  XXXX on XXXX XXXX XXXX XXXX and deposited the money into my checking account at the ATM. After I put the money in the machine, the machine showed an error message and gave me my card back, but no receipt. I spoke the teller and she told me that they don't have access to the ATM or the cameras, so I would have to wait XXXX business days to receive the money. It is now Wednesday, and I still haven't received my money.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (FL)

Un-Authorized 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
Consumer complaint received 2021-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I was put in touch with what I thought was a legitimate distributor of liquor through XXXX. He had a XXXX page for his business. He stated that he had 2 cases of XXXX XXXX XXXX  available and he would sell them for a reasonable price. If I purchased both cases he said he would include the shipping. Total cost for the bourbon was {$700.00}. He said he accepted XXXX as payment which my bank, Wells Fargo, has as a payment option so I figured it was safe since it was from Wells Fargo and not a third party. I sent him {$500.00} on XX/XX/XXXX and the remaining {$200.00} on XX/XX/XXXX. Wells Fargo has a limit of {$500.00} in 24 hrs so that is why I sent two different payments. After I sent the money the seller then asked for more to cover insurance. I then realized I had fallen for a scam and asked for my money back. The seller insisted I send him the extra money, when I didn't he stopped responding to my messages. 

I contacted Wells Fargo on XX/XX/XXXX and explained to them what had happened. I had to make 2 separate cases since there were 2 different payments made. They said they would review the case and contact the receiving financial institution. I was told if they didn't hear anything back in 1 week they would credit my account the money until there was a resolution. I called 3 times in XXXX trying to get updates and I was always told that someone would call back but no one ever did. I finally received 2 letters from Wells Fargo dated XX/XX/XXXX and XXXX 2021 stating that they were unable to recover any money and the case was closed. 

I would like to know how a financial institution such as Wells Fargo can offer a payment service with no protection offered.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX / XXXX XXXX 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 a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ... ....
Consumer complaint received 2022-10-18
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. (MI)

I do not have an account with this creditor. Inaccurately reporting account is open. 


XXXX XXXX XXXX Last reported XX/XX/2022 {$680.00} Open balance
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/23, I received an email from Midland Credit Management ( MCM ) stating they are a debt collector and are trying to collect on my debt for my XXXX XXXX XXXX credit card issued by XXXX XXXX. On XX/XX/23 my account was sold to MCM. On XX/XX/23, I called XXXX XXXX XXXX 's XXXX XXXX and was redirected to the fraud department and was told there was six charges from XXXX. I was told that the person made purchases at the XXXX XXXX XXXX in XXXX XXXX, CA and in XXXX, CA. The person requested a credit increase, added an authorized user, changed my phone numbers and changed my address. XXXX XXXX would not give me the name of the authorized user, new phone numbers or address. I never received any statements, phone calls, or emails from XXXX XXXX XXXX 's XXXX XXXX. They did not contact me prior to this account being sold to MCM even though my email address was not changed and that is how MCM contacted me. Prior to these charges, I had a XXXX  balance on the credit card.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage was transferred to Mr. Cooper in XX/XX/XXXX and I received a " Welcome Letter '' that stated my monthly payment would be {$1200.00}. Then starting in XX/XX/XXXX without any explanation they raised my monthly payment to more than {$1300.00} per month. I inquired with the company multiple times via phone and never received a satisfactory answer. On multiple occasions the " customer service '' rep would simply hang up on me as they " did some research '' to figure out what happened. The price increase has occurred on the escrow portion of the bill but they will not explain to me whether its my taxes ( XXXX XXXX XXXX XXXX so not likely ) or the insurance. I have asked to have my account changed to a non-impounded account so that I could pay the insurance and taxes myself but they have denied my request. They send me complicated bills with lots of charges and " unapplied funds '' and now they are saying my monthly payment is now more than {$1400.00}. I have never been so frustrated with a company. Meanwhile, my XXXX mom lives in the home that is affected by this mortgage and she is worried about losing the home because the company CONSTANTLY sends letters saying we are behind the on the mortgage, etc. I really feel like are trying to take advantage of homeowners to extract extra fees. I saw that there was a CFPB judgement against them in XXXX for this exact type of behavior ( Docket Number XXXX ) and I believe they are still doing it. Please help me put an end to this. I'm happy to pay my mortgage in full and on time but I am worn out with their terrible behavior. This is not how it should be in America and I'm looking for your help.
Consumer complaint received 2023-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I written numerous of letters stating for them to verify this debt as well the amount owned. Because I have or had medical insurance. And I shouldn't be receiving anything regarding my medical information being sold or discussed to outsiders this go against the HIPPA law. And I would like to remove from my credit report
Consumer complaint received 2023-11-10
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)

This is XXXX XXXX with a dispute against consumer reporting agency - TransUnion. TransUnion is reporting inaccurate information- ( inquiries ) onto my consumer report that needs to be deleted immediately pursuant to 15 USC 1681e ( b ). I did not consent to nor authorize any of the following inquiries that are reporting onto my consumer report. I want them deleted immediately.
Consumer complaint received 2021-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

Regarding claim XXXX I had to file a dispute on my Wells Fargo debit card for 2 transactions for which I paid by other means ( with a card from a different bank ). I notified Wells Fargo by phone as soon as I noticed the error, I also sent them documentation the same day via email showing my transaction history on the other card and email correspondence with the merchant confirming I was charged twice. I also followed up with Wells Fargo again days later to confirm they received my documents and that they were attached to the case. 

The representative I spoke to informed me someone was working on the case, no credit was able to be expedited due to the amount. I also asked on the phone if there were any updates, I was asked to wait for correspondence as they would reach out if anything else was needed from me. After waiting patiently, approaching the 10th business day, I see in my online account that Wells Fargo has declined my claim, without reaching out to me for any further information. They also have not sent me any documentation to indicate they have reached out to the merchant or what led them to this decision, as I have sent all necessary proof they would need to resolve this claim in my favor. It seems Wells Fargo does not want to help me recover my funds with a reasonable investigation, otherwise they would have reached out to clarify any information or request additional documents, which I would be happy to provide. This bank is going against Regulation E requirements to thoroughly investigate claims with a fair investigation. I need this dispute reopened and actually considered with all documentation I have provided.
Consumer complaint received 2022-10-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Applied for XXXX with good credit, salary and debt to income and got denied for credit history and new accounts open. All new credit cards are 6 months or older with close to XXXX balance. Credit history is very good. Recently got a XXXX but wanted to borrow slightly more including existing XXXX. Bank valued my home at XXXX and I owe XXXX so plenty of equity in property only asking for XXXX. Tried speaking with supervisor at bank XXXX XXXX XXXX but he wasn't any help just felt like i was getting passed over for no reason. Don't feel like I'm getting treated fairly with a credit score of over XXXX and salary over XXXX per year with minimal debt.
Consumer complaint received 2021-01-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, XXXX requested the credit reporting agencies delete the XXXX tradeline related to your account from your credit bureau report.
Consumer complaint received 2022-10-18
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. (IL)

The Credit Bureau never did a proper investigation according to the FCRA for the account listed below XXXX XXXXXXXX XXXX Account # XXXX The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. This was not done. They have also violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. The Credit Bureaus stated this account was properly investigated and verified with XXXX and the US Bankruptcy courts but how is that possible when I have documentation from both sources that prove this information is inaccurate. This is the grounds for removal. They have violated the law because according to 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 adverse items of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I just received a copy of my consumer credit report and have found XXXX XXXX XXXX reporting on my consumer report for an amount of XXXX. I do not have a contract with XXXX XXXX XXXX, this is identity theft. I have never received communications from this company nor consented to any transaction or contracts with XXXX XXXX XXXX. This account needs to be immediately zeroed out and deleted from my consumer reports. XXXX XXXX XXXX has to stop immediately reporting to all consumer reporting agencies. This is identity theft! This is a violation of my consumer rights and willful and knowingly intent. If XXXX XXXX XXXX does not cease collections attempts and zeroes out the balance XXXX XXXX XXXX will be charged XXXX for damages
Consumer complaint received 2022-10-18
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. (GA)

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. 

Account Name : XXXX, Account Number # XXXX, Account Name XXXX XXXX  Account Number # XXXX, Account name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account XXXX # XXXX, and XXXX XXXX XXXX, Account Number # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2022-10-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX 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 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

Discover Bank issued me a 1099 to forgive my defaulted debt of {$12000.00} in 2021 however they are still reporting a balance owed to my credit reports. 
This error is causing my credit scores to be XXXX points lower than my other two credit scores.
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is saying this account is verified, but have not delivered how they verified. They are unresponsive to letters asking for this information as is due to me by law.

In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that they provide actual proof the information was verified, not computer generated confirmation.

Please provide : 1. The names and business address of each individual with whom you verified the information above, so that i may follow up.

2. The creditors address and telephone number.

3. The date they contacted the individual they used to verify the information 4. The documentation used to verify the dispute. 

XXXX XXXX XXXX - Acct # : XXXX XXXX XXXX XXXXXXXX - Acct # : XXXX
Consumer complaint received 2023-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (NJ)

XXXX XXXX aka Mr. Cooper aka Nationstar has continued to provide incorrect, misleading & contradicting information which has lead to them now beginning a foreclosure complaint while they continue with RESPA Violations. 
1. Never sent a Notice Of Intent to Foreclosure Letter & yet continue to say they did in XX/XX/2023. 
2. If they did send this alleged NOI Letter the USPS tracking they included with the debt validation reply shows NOI Letter was not delivered by mail and/or certified as the rules/law state. 
3. If they did send this alleged NOI Letter in XX/XX/2023 the mortgage payment due was less than 50 days late and NOI Letter should not be mailed after less than 2 full months arrears that were still be questioned by us with the Servicer. 
4. In the XXXX Debt Validation letter reply XXXX  XXXX states the alleged NOI Letter in XX/XX/2023 amount was for {$24000.00} when at the very most any mortgage debt balance in question would have been approximately {$8700.00}. 
5. In the XXXX Debt Validation letter reply XXXX  XXXX states that the investor is XXXX Asset Backed XXXX Trust. 
6. In the XX/XX/XXXX Foreclosure Complaint the Plaintiff states the investor is XXXX XXXX XXXXXXXX  who they claim was the investor from an assignment of mortgage and was the investor in XX/XX/XXXX  which clearly contradicts XXXX XXXX  reply in XXXX  debt validation letter. 

These continued contradictions and misleading replies has caused us both financial and emotional distress due to their RESPA VIOLATIONS and need to be rectified and any foreclosure complaint to be cancelled immediately.
Consumer complaint received 2022-10-18
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. (NY)

Acct : -XXXX I ask for the 3 Bureaus to investigate the account above, two out of three found that it was improper reporting but Transunion is still reporting incorrectly. 
In accordance to the Fair Credit Reporting XXXX Acct # XXXX has violated my rights. 

15.USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 602 A part 2 states that a consumer reporting agency can not furnish a account without my written instructions.