davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (CA)

Hello, I've mailed in my dispute months ago and finally got a response from the bureaus saying they can't process my dispute because they don't believe its me. ITS ME. I AM THE ONE DISPUTING AND DESERVE A FAIR INVESTIGATION. The bureaus need to submit all of my disputes ASAP.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

XX/XX/XXXX - XX/XX/XXXX My forbearance scheduled to end on XX/XX/XXXX, I have been calling 3-4 times a week and have received multiple different answers from Lakeview Loan. 
XX/XX/XXXX - XX/XX/XXXX - told was eligible for extended forbearance but never happened - XX/XX/XXXX - was told my forbearance would be extended through XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX was Promised that my XX/XX/XXXX this would show on my online account - this never happened - XX/XX/XXXX was told I was " preapproved '' for a COVID modification with no documentation and that I was not eligible for an extension, said no follow up by me was needed and they would contact me within 7 days to discuss. This never happened - XX/XX/XXXX called to ask for update there was no update and modification was not started - XX/XX/XXXX asked for recordings of all my discussions because I have received so much incorrect information - was told supervisor would call me back - never received a call - XX/XX/XXXX was told I was never preapproved for COVID modification, not eligible for any longer on forbearance and needed to fill out a packet for modification. Recordings of calls were never stated on my loan - was told again supervisor would call me back - never received call - XX/XX/XXXX - called again- I filled out mtg assistance packet and again asked for call recordings and speak to supervisor - neither happened - XX/XX/XXXX - was told in review for modification and no documentation on anything else, forbearance, phone calls, recordings, nothing at all. On hold for supervisor now for 40 minutes
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I am a practicing, licensed RN and a full time faculty member at a private university in Indiana who has taken care of COVID patients throughout the entire pandemic and who has taught students how to take care of patients and become nurses. 

I applied for a loan from 5th 3rd bank in XX/XX/2020 and as of today, we have still been unable to close. I have submitted every single document they have requested ( verifying my income and bank statements 3 separate times, because they expire after 60 days ).

The manager I have dealt with XXXX XXXX has missed scheduled meetings with me and has refused to give me the name of her direct supervisor more than once. I have emails confirming this. 

I have endured new onset of chest pain related to the stress of this entire process. I have done everything they have asked and have been as patient as I can be but I am now at my wits end. This is not right. 

Please investigate this matter.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

I notified SEQUIUM ASSET SOLUTION, Original creditor : XXXX  XXXX Reference Number : XXXX, Creditor : XXXX XXXX XXXX XXXX, Creditor Account Number : XXXX, Total Due : {$2400.00} about a fraud account they will not remove it thy received a letter on XXXX XXXX Sent A police report and a fraud letter still not remove it.
Consumer complaint received 2021-04-26
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: LendingPoint Holdings LLC (GA)

I received an email from LendingPoint LLC, as shown below. I never applied for this company and I feel this is fraud and I want to report. 

Please let me know if you need any more information. 

XXXX XXXX XXXX " Credit Score Disclosure Exception for loans not secured by residential real property LendingPoint LLC Your Credit Score and the Price You Pay for Credit YOUR CREDIT SCORE Your Credit Score XXXX '' Source : Experian Date :
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (NJ)

I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I contacted XXXX in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for three procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. XXXX must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (VA)

I received an email on XX/XX/21 that a Verizon Visa Credit Card was opened through Synchrony Bank. 

I contacted the bank and informed them that I did not open a card through them.
Consumer complaint received 2024-08-06
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. (LA)

XXXX with a balance of XXXX charge off XX/XX/year> sold to a collection agency called : XXXX XXXX. XXXX XXXX sends me numerous emails on this account which is proof that it was sold. XXXX is not reporting this account sold it just says closed.I am requesting the issuance of a XXXX form for the charge-off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and Code XXXX U.S.C. XXXX ( b ), income that has been reported to the IRS via a XXXX can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. This account was taken as a loss when transferred to the a XXXX party XXXX XXXX. I am responsible for filing this account as income on my tax return and it is against the law for a creditor to take a loss and show this as charge off on a consumer credit report.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

I was harassed and falsely accused by XXXX XXXX which led wells fargo to close my account. I opened my account on XX/XX/XXXX when I went to cash my insurance check for hail damage to my roof this banker XXXX XXXX pressured me into opening a checking account with them which I really didn't want, but she wouldn't leave me alone. Then she insulted my son about his facial features and mine also. I regretted not getting up and walking out. I had my account open and it was opened for 1 year. Around XX/XX/XXXX, I couldn't log into my online account. I called the XXXX number & the wells fargo rep said my account was compromised & I had to open a new account. I went to a XXXX XXXX wells faro branch on XXXX XXXX. It took me a week to get my new account open because they kept running me back and fourth, this whole time I didn't run into XXXX XXXX until the very last day on XX/XX/XXXX when I had to finish open it up, there she was at the door greeting people. Then after I sat down talking to my banker a few minutes later 2 XXXX XXXX police officers came in looking around, they were a bit confused because they saw I wasn't bothering XXXX XXXX because she wasn't around when the police got there. The police left a week later XXXX I was trying to purchase something with my wells fargo debit card & it decline. I had no idea what was going on. I called the XXXX number again and complained at this time I had no idea what was going on. The wells fargo employee told me that the business relationship went bad I said how? I just opened it. I received a threatening letter from XXXX XXXX telling me that wells fargo was exericing their right to close my account that I had just opened & I was told not to enter the wells fargo branch especially the one where XXXX XXXX was conventially at. He was very demeaning and hostile in the letter. It was XXXX XXXX who compromised my checking account & disabled my online accuess & she was stalking me having the employees at the XXXX XXXX branch to tell her where I was.
Consumer complaint received 2016-12-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo XXXX, VA XXXX ... ..This bank needs to be investigated for fraudulent activity on customers accounts. They convinced customers to open their accounts and they were guaranteed all of these benefits, only not to explain they were being charged outrageous monthly fees. They were also holding money on customers accounts, so they would produce overdraft fees, they would wait and have debit usage come out days later ... ..investigate these crooks!
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-04-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (UT)

I had a car accident in XX/XX/XXXX. All the medical bills were to be paid by my vehicle insurance policy to XXXX XXXX ( XXXX ). 

XXXX did not agree to the amounts paid by the insurance company and passed the debt onto me. 

XXXX owns the debt and placed the debt with IC Systems. 

IC Systems took the aggregate debt and broke it into six ( 6 ) separate collections on the same bill! IC Systems then began reporting these six ( 6 ) collections to the credit reporting agencies. 

IC Systems received a notice of dispute. DESPITE receiving a notice of dispute - IC Systems fraudulently represented to the credit bureaus that I was delinquent on the bill though the bill was disputed and the dispute shows on the credit bureaus as a disputed bill. 

IC Systems in ore top harm my credit - continues to fraudulently represent this bill is delinquent. Each time I apply for credit - IC Systems adds another delinquent notice into the credit bureaus to further harm my credit using abusive tactics. 

**IC System 's abusive tactics have real world economic impact. As a disabled veteran seeking a home loan - this impacted my ability to refinance my home during the COVID19 pandemic. 

Last year, I contacted XXXX as the current legal owner of the bill to tell them about the abusive tactics by IC Systems. I contacted XXXX by formal letter and by email. XXXX did not respond to the notice of dispute or complaint. 

I have included screenshots taken from the underwriting department of a mortgage company attempting to refinance my home - showing the abusive tactics of IC Systems fraudulently representing I am in a payment plan with reported delinquencies. 

A debt validation letter was sent to XXXX - as the owner of the debt - on XXXX XX/XX/XXXX. XXXX FAILED to respond to the debt validation letter.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

Today I accessed your site to get all three of my scores, for free. 
Equifax replied with " Onine Delivery Unavailable. '' XXXX XXXX XXXX # XXXX. 

I have to organize a bunch of documents to get my score, by snail mail? WHY? 
This is ANOTHER example of how the system is broken. 

I need the score TODAY to deal with an important refinancing decision. 

Please reply to XXXX Thank you
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

I have an paypal account and I havent used it but twice. XX/XX/2021 I tried to use the app and was told my account was restricted. I have to provide a copy of my ID and Debit Card. After that I was told they were going to close my account because I did something that violated terms. I havent use this service. I have been using XXXX XXXX however a few family members still use paypal. I just want to know what is going on because paypal will not answer when I call regarding my account.
Consumer complaint received 2021-04-27
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)

XXXX XXXX is reporting to all three credit reporting agencies XX/XX/XXXX trans union, A corporate account, that I did not personally guarantee, on my personal credit report. I have sent dozens of disputes and requests to remove the derogatory information off my report to no avail. 
My attorney sent a 609 letter on XXXX XXXX requesting all agencies to produce all documents including signature pages as proof of accuracy and none of the agencies have sent him anything and they still have not removed the account from my credit report. 
There is now litigation involved to prove this is not a personal account. 
Also, This account is reported as a charged off account, yet they have a law suit against me and my business, and a third party collection company Continues to call me trying to collect on this account as XXXX XXXX
Consumer complaint received 2021-04-27
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. (GA)

On XX/XX/2020 I sent documentation that I had been a victim of identity theft and noticed some unauthorized inquiries and accounts on my report. I was told by the Rep to mail a FTC report with a copy of my identification and ss card with a list of the inquiries. I has been 60 days with no reponse from the bureau but according to the FTC website it states identity theft should be processed within 5 business days from receipt of documentation. I have the tracking number from where I sent documentation tracking number XXXX and I have heard nothing from the bureaus. This is a violation and these items must be deleted.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (DC)

I have had an awful month. I 've been ripped off by a couple of retailers and filed complaints with my bank, Wells Fargo. Wells sent me a letter yesterday asking me to respond the day before. They said they had questions about my allegations. The amount I am challenging is {$130.00} This is incredibly insulting and infuriating. Furthermore, I feel as though the delivery of the letter was timed so that I would not be able to respond in a timely manner.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

ACCOUNT : DPT EDXXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : XXXX : XXXX, XXXX****LATE PAYMENT ON XX/XX/2022 Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX : XXXX, LATE PAYMENT ON XX/XX/2022 Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX two withdrawls from my online bill pay for {$990.00} and a second withdrawl of {$990.00} both to XXXX XXXX XXXX were deducted from my checking account. Due to lack of funds in checking, a transfer from our linked saving account for {$1800.00} was sent to checking and a {$12.00} transfer fee incurred. My wife and I called our bank, Wells Fargo, and reported these transactions as fraudulent. We did not make these payments or withdrawls and no one else known to us was in possession of our bank cards or had our account information. Wells Fargo opened an online fraud case ID # XXXX. On XX/XX/XXXX Per Wells Fargo instructions our checking and saving account we're closed and we opened new accounts at our local branch. On XX/XX/XXXX We filled out and returned the requested affidavit of online fraud as requested by Wells Fargo. We explained we were at the intersection of XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX, PA while waiting for an appointment on XX/XX/XXXX. This is not the best part of town and we were on my new cell phone while waiting for appointment. We believe my phone may have been hacked during our visit to that location. My wife has made several requests to speak with a bank investigator, to no avail. We believe we have the IP address for that location saved in my phone. On XX/XX/XXXX the bank has not returned our stolen money and has denied our claim ( which included an undisputed withdrawl of {$1800.00}??? ). We have disputed this finding and an escalation has begun ... case # XXXX. We requested another call back from an investigator but no response. This whole process with communicating with Wells Fargo has been a nightmare. Being transferred from one department to another, departmerts unable to locate our case number. Call backs were promised but not delivered. Our original case included a withdrawl of {$1800.00} which we did not dispute. Oddly enough our funds appeared back in our new checking account on XX/XX/XXXX and disappeared again on XX/XX/XXXX. My wife called the bank to be told the money was not returned it just appeared that way when transferring over to the new checking account.