davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GATEWAY FIRST BANK (FL)

Our mortgage lender ( XXXX XXXX Mortgage, Oklahoma ) XXXX putting our payments into another unknown account at some point. We didnt know until we started the process to sell the house and were told we were in default and going into foreclosure after not paying for several months. We asked them how it is possible. 
No one knew anything. Finally we were told they could see our payments were made, but they went into another account and did not count toward our mortgage. We called many, many times, and no one could tell us the account the monies went to, why that happened, and they would not track it and apply it to our loan. They stole many payments and refused to give it back and we ended up paying considerably more for our house to sell than we bought it for XXXX years prior because we had to pay them the money that they had already confessed to taking but couldnt find. Our credit has suffered, they refuse to remove it from our reports, and no lender will give us a mortgage. My family has suffered immensely for over a year and a half and my family struggles have made it so we have gotten to point of separating the family. We cant be the only ones they did this to, but after all the fighting and praying, we know that our government has no rules in place with regard to mortgage companies stealing and harming consumers. We have gone through the process of disputes, but the bureaus just say the same thing, that XXXX says they are right. Thats all. No investigation, no questions. Why dispute anything at all?
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (TX)

I am writing in regards to several fraudulent purchases made on my Regions debit account on XXXX the XXXX, 2023. Regions contacted me via text at XXXXXX/XX/XXXX Thursday, XXXX the XXXX, 2023. I have made copies regarding the text and e-mails they sent me. They stated to visit the local branch on Friday morning, XXXX the XXXX, 2023. We were on the phone for approx. 1 hour and 20 minutes with a representative named XXXX XXXX. He verified my account and I identified him calling from XXXX Regions. The he claimed the fraudulent purchases from XXXX and XXXXXX/XX/XXXX were removed. However, he stated that he had to make another purchase on my account to set up fraud protection policy. He informed me to hit the yes key to make a purchase from XXXX! He stated he had to reset the fraud issue. On Friday I visited the Regions Bank at XXXX XX/XX/XXXXXX/XX/XXXX TX, XXXX. I spoke with XXXX XXXX for approx 40 minutes. I discussed this issue with her and she agreed that XXXX was a legitimate employee. She took all of the information and made a fraud claim and informed me not to worry, that i should get my funds within a week. She stated it was procedure to make another purchase to see if everything was working properly, the phone number was from XXXX Regions, and they need personal information over the telephone to verify my identification. I realize this, nevertheless it contradicts there policy of Regions employees not asking for ant personal info over the telephone. XXXX agreed the policy contradictory to the telephone conversations. On XXXX the XXXX, 2023 I called the XXXX XXXX XXXX. XXXX was informed the investigation department was not going to refund my funds for the fraudulent purchases at XXXX for a total amount of {$510.00}. I have NEVER purchased anything from XXXX XXXX 's in 65 years and I have not been to Florida in 4 years. These purchases were fraudulent and I can not believe Regions is blaming me for these purchases! There investigation should consist of but not limited to, e-mails, texts, recorded phone calls, and any video footage they may have. They have been extremely unprofessional and uncaring about the entire situation. Your cooperation is deeply appreciated and you are welcome to contact me anytime XXXX! My E-mail is XXXX XXXX
Consumer complaint received 2020-01-14
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)

Due to challenging financial circumstances, I filed for Chapter XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to chapter XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither chapter XXXX nor chapter XXXX. At the moment, I am simply continuing to make on-time payments.
Consumer complaint received 2023-06-06
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. (CT)

This is my 15th 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 : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-05-06
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. (MI)

Multiple negative charges that have been disputed and even closed but not taken off my report. 
Accounts that I have disputed that are still on my account and now not letting me move forward with disputing. 
Changing names of reports. 
Different reports from each company.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (AZ)

I was terminated on XX/XX/23 from my employer. It's been XXXX weeks and they have not provided me with a separation letter ( I need for unemployment ) and they have not updated The Work Number ( Equifax XXXX XXXX ). This is messing with my livelihood and health benefits. Equifax said they investigated but if they spoke with HR, HR would have told them, I'm not employed and they are trying to update the system. 

I've included an email from XXXX explaining my termination will be processed properly.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Starting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX started making HARD CREDIT INQUIRIES with Transunion. Since them they have made 6 HARD CREDIT INQUIRIES. 5 of inquires have been removed within a week. 
XXXX XXXX XXXX XXXX Hard Credit Inquires / XXXX XXXX XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX The HARD CREDIT INQUIRIES WHERE NOT AUTHORIZED! I have a credit freeze on all three credit bureaus for years, and have not applied for any new credit since at least 2017. Yet each month since XX/XX/XXXX XXXX XXXX XXXX has made XXXX or more HARD CREDIT INQUIRIES. 
On XXXX I contacted the XXXX  and was informed there have numerous complaints 2nd XXXX XXXX XXXX for the same issue. XXXX XXXX XXXX has made XXXX or more HARD CREDIT INQUIRIES.
Consumer complaint received 2017-01-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Liberty Holdings, LLC (CO)

Liberty Aquisitions in XXXX XXXX somehow sent a court order to my employer to garnish my wages. Says debtor is XXXX XXXX and XXXX XXXX, Last known address is XXXX XXXX. Judgment entered XXXX XXXX XXXX. My name is XXXX XXXX but there are probably XXXX XXXX XXXX 's in the country. I do n't know who XXXX XXXX is, I have never lived in XXXXXXXX, I moved to XXXX XXXX from XXXX in XXXX XXXX, not XXXX. This is Crazy. How can they garnish my wages because I have the same name?? I called and they said my social does not show up anywhere. I have nothing on my credit report. Have n't been sued, have n't been notified, just a court ordered garnishment. Do n't know what to do. Ca n't believe collection agencies can do this to anyone. it 's just crazy.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
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. (FL)

i wrote to XXXX, Experian, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. however, the accounts are continuing to reports errors on my credit profile, which is causing damage to my credit score. 

Accounts : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 2022
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. Law 15 usc 1681. Its a defamation of my character & livelihood an I am trying to buy a house
Consumer complaint received 2023-08-21
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. (TX)

Requesting that collection companies provide debt validation letter for this debt. This would not involve verifying the questions debt but legal right to collect said debt if accurately reported. So, please provide copy of DEBT VALIDATION LETTER for the following account : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) 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
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (FL)

This is one of my numerous 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. Please delete this account ASAP.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (FL)

Since XXXX XXXX XXXX I have been trying to get in accurate information removed from my credit report. I even noticed inquiries on my report that I did not recognize and told every representative I spoke to and nothing. For over 3 months I did not hear a thing. Whenever I call the automation software could not verify my information and would constantly end the call. After a month I finally got through to a representative and she herself could not verify my information. She repeatedly told me information that should be correct about myself were inaccurate. Which then she escalated the call to a supervisor, who also had a hard time verifying me but finally succeeded. Upon succeeding I decided to login to my account and it states that I have limited use of the website due to verification issues. I then would call repeatedly and almost weekly to attempt to remove these discrepancies and update the information on my report. To no avail I get the same repeated script from every single representative. It has now reached 6 months of no progress. I know each call is recorded so the proof is also in our conversations.
Consumer complaint received 2023-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BMO Bank, N.A. (CA)

I sold my property and Im trying to pay off my HELOC and the Bank Of The West transfer to BM old bank and I was told that I can not pay it off until the XX/XX/XXXX date because they were doing a transfer of banks. When I tried to call and pay off my loan they have done everything possible to not allow me to pay off my loan. I have called Now four times and they have made it virtually impossible for me to get my new account number so I can pay off my loan and Ive also asked them to fax to the escrow office the payoff which they have not. I have now incurred interest for over a week due to this transfer of bank and also have lost interest on my money that the escrow is holding over {$60000.00} in excess of my alone amount.
Consumer complaint received 2023-05-16
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 eighth 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 XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$950.00} XXXX  Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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. (OR)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.
Consumer complaint received 2023-04-02
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)

Equifax is reporting inaccurate information on my credit report and it has had adverse affect on my credit score. I reviewed my latest credit report from all three bureaus and asked all three bureaus to ensure all information was accurate and completed according to the fair reporting act. 15 U.S. Code 6802 states Obligations with respect to disclosures of personal information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given any information regarding this nondisclosure option therefore this is a direct violation of this law and my consumer rights.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (FL)

This is one of my numerous 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 and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CHILDSUPPORT  XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have 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.
Consumer complaint received 2023-08-13
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

{$340.00} was stolen from my card that was stolen! I called immediately when I noticed the fraudulent charge. Wells Fargo sent me a new card. In the meantime, the provisional credit of {$340.00} that they provided is being deducted from my account! I have been with Wells Fargo since 2013 and this is ridiculous I can see if it was a large ridiculous amount. Me or somebody I know did not make this charge!