davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

My mother passed away in XXXX of XXXX, and a life insurance check dated XX/XX/XXXX  ( # XXXX {$10000.00} ) for policy # XXXX was issued by XXXX XXXX on XX/XX/XXXX  and deposited on XX/XX/2016. The check was stolen from the mail and was subsequently cashed fraudulently by Wells Fargo, due to a mobile deposit and a checking account opened by someone unauthorized. XXXX XXXX Identify theft. The person ( s ) who stole the check was possibly a tenant paying rent at my residence. I believe they also stole my drivers license and used it to open an account in my name, and then mobile deposited the life insurance check for which i was the beneficiary. I have contacted Wells Fargo and received a response, however they are unable to provide reimbursement for a check that was fraudulently negotiated. Wells Fargo states that reimbursement lies solely on the issuer of the check XXXX XXXX XXXX XXXX XXXX. Ive contacted XXXX XXXX via telephone but never recieved any response in resolving this matter. In the telephone call with XXXX XXXX I was told by XXXX XXXX that Wells Fargo was at fault and that they would have to reimburse since they were negligent. In other words both the issuer of the check and the bank that cashed the check are refusing to help. At the time said check was stolen, and subsequently negotiated fraudulently, i was XXXX. The check was my mothers life insurance check and i the beneficiary. Because i was XXXX  i was unable to pursue any sort of action. In fact i learned of this when i recieved a copy of the cashed check while XXXX. My only recourse it seems is to hire a civil litigation lawyer and sue either one or both parties aforementioned, unless there is another way of which i can resolve this matter. I lost my mothers home because the money from the life insurance policy was to pay the mortgage while i was XXXX.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I mailed a Multiple  Inquiry Removal Letter  on  XXXX   XXXX ,   XXXX   by certified mail to Equifax in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They responded with a letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response so quickly after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home soon and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.      XXXX   XXXX
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different high credit amounts XXXX  and XXXX. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a credit card with Capital One in XXXX. Unfortunately, due to financial issues, I was unable to pay the balance and the account was reported as XXXX. In XXXX, I did receive collection calls from a different agency for a few months and then the calls stoped. In XXXX is when i started receiving calls again by someone named XXXX to discuss solutions to my credit card balance. The credit card debt should have fallen off by XXXX if the account was unpaid since XXXX. I feel as though the credit card collections are restarting my clock on this debt and Im curious to know how this can be legally allowable. I have already suffered enough of a financial hardship with having this on my credit report, but to have it restarted is completely unacceptable. I am please requesting that the error be corrected since the account was technically charged off in XXXX. My credit report shows that I have numerous months of late payment since XXXX.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MD)

The company has not provided the authorized agreement creating the debt 15 usc 1692f. Therefore if there was no agreement in place between myself and Midland Credit Management inc. that means i have no contractual agreement to pay them an alleged debt. This accounted has never been validated and I have no knowledge or relationship with the company. the debt collector has been notified it has been disputed and needs to be removed until they mail me the Original Purchase agreement or copy of judgement. I have not given this debt collector any consent to communicate with me Pursuant 10 15 usc 1692c. By them reporting on my consumer report this is communicating with me and is a clear violation of federal law therefore they need to delete this account. 

I think they are trying to manipulating the statute of limitations because they are changing the balance and past due balance of the original amount every other month and they are reporting the payment status as 120 days late when be default collections are past due. 

I have never Given 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me
Consumer complaint received 2023-02-07
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. (NE)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-03-30
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: EQUIFAX, INC. (CA)

I have looked back at my credit report on XXXX XXXX and noticed that some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the credit relates. After this conpany stated that my investigation had been completed as of XXXX XXXX. 
I sent a letter asking them to reinvestigate these accounts listed below, because XXXX XXXX Sold to XXXX open date is not reporting correctly, date last active, date last payment is not correct, this account is not accurate. 
After my investigation had been completed, I took a deeper look into the report to ensure it accuracy due to the identity theft, that I have experience within the last three years. It is becoming tiresome needless to say. I have been in XXXX XXXX XXXX since XXXX. My address is XXXX XXXX XXXX XXXX Address on Account is Incorrect XXXX XXXX XXXX XXXX, XXXX XXXXXXXX as well as Bank Account used for previous payments of this loan was opened fraudulently and has since been closed. XXXX XXXX XXXX Acct : XXXX Date of Last payment according to Company 's report is reporting incorrectly as it states XX/XX/XXXX and is being report to All bureaus as XX/XX/XXXX. all of this information is incorrect. 

XXXX : XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate. 
Date Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Date Last XXXX Equifax : XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate. 
Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Date Last ActiveXXXX XXXX : XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct. This account is not accurate Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX They have not responded to my letter within 30 to 35 days and my tracking number for this letter sent XX/XX/XXXX is XXXX I got the investigation back, but noticed nothing was modified or updated. 

I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 Please look into this matter.

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer
Consumer complaint received 2022-11-17
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. (AR)

TransUnion has violated the FCRA by doing shoddy investigations which I have a article enclose by the CFPB which states this. I also have previous dispute which proves this XX/XX/2022, XX/XX/2022, and XX/XX/2022. TransUnion has also violated the FCRA by having a data breach which has effected me.
Consumer complaint received 2023-01-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

this is for usaa federal savings bank. they stated that my consumer loan debt amount would be adjusted on my credit report but it has been more than 30 days and it has not been updated. in accordance with the fair credit reporting act, this company has violated my rights as a consumer/customer. fcra 15 USC 1681 section 602 A states i have the right to privacy
Consumer complaint received 2022-11-27
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. (PA)

XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2015 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my XXXX XXXX XXXXr and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-07
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)

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 XXXXXXXX Bank : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The company took about 37 days. I was advised a response is to be given within 30days or by law it has to be removed.
Consumer complaint received 2023-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

Carrington Mortgage is in violation of federal regulation on servicing transfer as well as proper oversight of their vendor plus possible other violations describe below. The servicer failed to properly obtain hazard insurance information [ Insurer, agent, policy number ] after acquire servicing from prior servicer. This resulted in Carrington forced place insurance which is extremely expensive. Further more, Carrington outsource monitoring of the insurance status to 3rd party, which is likely related to the seller of the force placed insurance. This created mis-alignment of interest where loan borrowers are income opportunities for both Carrington ( by mean of moving operating expense to their insurance vendor ) and the insurance seller. 

Carrington 's insurance monitoring vendor ( likely the one force placed insurance ) was in receipt ( twice from me and once from my insurance agent ) of proof of insurance, yet they claimed the document was invalid because it came through incomplete. I submitted through their document website twice while my insurance agent sent it via Fax. This practice is at worst intentional ( how can both website and fax be bad?? ) and at best grossly negligent. 

I am pleading with CFPB to investigate this potential pattern of practice putting Carrington customers at harm.
Consumer complaint received 2023-02-07
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$740.00}
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (IL)

They are charging for having a gym membership when I had stop paying for it since I got a new card and they still have the audacity to keep charging me and now I dont even have money and they want me to pay something I never told them to do and I called them saying Im not funna pay and they just hanged up on me its been like half a year since I had stop going to the gym whole time I been getting charge smh
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

My car payment is {$490.00} see the attached revised contract. I will not make a car payment until your system has the correct information for my car loan. I have called XXXX XXXX to XXXX about this. I dropped an XXXX plan from the financing and the dealership sent a revised contract to your verification department several weeks ago. It is ridicoulous I have to continue to deal with this issue. What a horrible way to welcome a new consumer to the company. Everytime I call, I have to hold on the phone for over XXXX while someone calls the verification department to confirm what is per the new contract. 

Now the website shows the wrong car payment as well, next my credit report will show the wrong car payment. My next step is to take legal action against WestLake Financial if they do not fix this issue. See the revised contract emailed to Westlake Financial XXXX times and sent from the dealership over XXXX  month ago...
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

This new complaint has been filed as a follow-up to the previous Complaint # XXXX that was closed before we could complete our additional research and submit our findings. Wells Fargo previously stated in their XX/XX/XXXX response that no payments had been received on our account from XX/XX/XXXX through XX/XX/XXXX. We were in a Chapter XXXX bankruptcy from XX/XX/XXXX until all payments at 100 % had been completed and our file closed in XXXX. We have attached a document reflecting bankruptcy payments made to Wells Fargo for Mortgage arrears during this timeframe in the amount of {$15000.00}. Wells Fargo initially responded with a mortgage arrears amount of {$31000.00}, however, Wells Fargo petitioned the bankruptcy court to remove the mortgage from our bankruptcy case to proceed with foreclosure. Where were the total mortgage arrears payments of {$15000.00} paid through our bankruptcy case applied on our mortgage account? Additionally, we have attached a file ( saved on XX/XX/XXXX ) reflecting XXXX mortgage payments made in a Wells Fargo XXXX location at the mortgage amount prior to the loan modification being approved. Again, where were these mortgage payments applied on our Wells Fargo mortgage account? Please remember that we both ( XXXX and XXXX ) had checking and savings accounts with Well Fargo at the time of these payments.
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo consistently over charged me throughout the auto loan agreement. I requested a payment extension and it was confirmed by a representative. Almost a year later, I discovered it was not on my account. As a result they ended up repossessing my vehicle. I paid to get it back. They never apologized or addressed it.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (TN)

I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
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 XXXXXXXX XX/XX/XXXX