davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Experian refuses to conduct any investigations or simply ignores them. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' To date Experian has violated this law at least 4 times with 4 different creditors. I have submitted several complaints on this website and their response is to tell me to resubmit my dispute letters, which results in them doing no investigation. I have contacted the FTC and my State Attorney General. I have also sent one more letter to them in regards to providing proof of investigation. At this point, this is my last resort before taking them to court for violating the law. The following are all of the past CFPB complaints that have not been addressed or investigated to date. Each complaint includes copies of the letters sent and proof ( certified return receipt ) that the letter was received by Experian : XXXX - submitted XX/XX/2020 - refuse to send proof of investigation ; CREDITOR # 1 : XXXX XXXX XXXX - ACCOUNT # XXXX ALLEGED : XXXX CREDITOR # 2 : XXXX XXXX XXXX - ACCOUNT # 2 ALLEGED : XXXX XXXX - submitted XX/XX/2020 - refuse to investigate XXXX XXXX XXXX XXXX, Account # XXXX Pay Status is inaccurate XXXX -submitted XX/XX/2020 - refuse to send proof of investigation XXXX  XXXX XXXX For each CFPB complaint above, I have uploaded all letters and proof of certified return receipt. Experian has willfully not investigated disputes or sent proof of investigation. They are well past 30 days at this point ( a clear violation of the law ) and they refuse to submit a response in regards to investigating. Every letter I send includes a picture of my passport, social security card, a utility bill, and a drivers license. Even with this information, they refuse to investigate and/or send proof of their investigation. 
If this is not resolved, I will contact their attorney 's office to inform them of the lawsuit documenting all of my ignored correspondences.
Consumer complaint received 2024-04-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Advantage LNS Inc. (NY)

XXXX account number balance {$3400.00}. I received a of my copy report to my surprised they are reporting this account incorrectly also this collection account is reporting not only as Open but also shows a past due balance.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo has damaged my first time home buyers experience. My loan originator was awesome, very courteous and answered as many questions as he could. However, my loan processor was very unprofessional. She lacked communication throughout my home buying process. I submitted 59 total documents to my portal and that was not good enough. I called her 9 times in 7 days, with no response and no returned email. I was one week away from my closing and she would not answer or return my calls or emails. I reached out to two of her direct managers on XX/XX/11 with a very detailed complaint via email. I have yet to hear from either. I spoke with someone on Friday, XX/XX/XXXX and he informed me that my application was declined due to " decreased assets ''. I told him that's impossible, my accounts tripled since the time we applied for our mortgage. He informed me he would reach out to underwriting to make sure the information was correct and call me back. I have not heard from him since then. I informed him, that the denial reason is incorrect and it leads me to believe that my husband and I have been discriminated against. I have no received a denied '' letter yet to see the reason for denial. However, I can only go off of what he told me. In addition, I told him to look up my statements from XXXX and XXXX to prove my assets increased with in that time frame. It is completely unacceptable to lie and say I was denied for something and I can prove you wrong. There was no sense in urgency working with Wells Fargo. They don't care about whats important to the customer, deadlines and obviously closing dates. This has been the worst experience of my life, the worst customer service I ever received. I did not feel valued. I felt discriminated against. I felt like they asked for more documents from me than they would of someone who's a different race. I have asked someone who just mortgaged through wells Fargo whose credit score and assets are the same as mine and she only had to submit 19 documents. However, I had to submit 59, and I was still denied. I will never recommend Wells Fargo to anyone for a mortgage. They will make your experience the worst ever. At this rate, they are asking for another lawsuit! This proves why they're consistently in court for multiple settlements. They do not know how to do right by their customers. On the other hand, I went through another lender and was approved in two days with a mortgage to commitment letter on the 9th day. Someone please explain the racism and discrimination from this company. Its absurd and illogical. If Wells Fargo can not prove to me that my assets declined, and that was the reason for my denial, I will be looking to pursuit legal action for discrimination. This is in violation of the HMDA ACT, Fair Credit Reporting and ECOA.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NM)

I know a person who signed for my mail opened it and took out the contents and taped it shut and wrote return to sender. No police report because they won't touch it, now I've got charges because of this and Noone is going to help not police not not the post office not anyone.
Consumer complaint received 2024-04-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (AZ)

Crown Asset Management sued me using XXXX XXXX XXXX for a very old debt that was not signed in the State of XXXX  and the debt was cancelled in a Class action settlement with XXXX who is the original company. 

XXXX did not give me proper notice and once I received notice it was for garnishment because the judge had pushed the lawsuit through without making sure XXXX actually served me for me to explain that the debt was old and canceled on a 1099-C.
Consumer complaint received 2022-11-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022, its been way over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.
Consumer complaint received 2020-08-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX XXXX has been on my account since XX/XX/XXXX with false amounts of {$2400.00}, {$2700.00}, {$1300.00}. Us Dept of Education been on my account since XX/XX/XXXX with false amount 's of {$1300.00} on my report two times Direct loan svc system has been on my report since XXXX/XXXX/XXXX false amounts of {$7000.00} i never in my life made any payments on these loans, they were supposed to remove off my report and have not removed .They have multiple accounts on my report and have not removed any accounts have ignored my request, i want the accounts removed immediately
Consumer complaint received 2020-09-29
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. (IL)

Experian and XXXX  are fraudulent on my following accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (OR)

On XX/XX/22 I received an email stating that a Chime Account had been opened in my name and a debit card was being sent out. I reached out to the company via customer support and they put a hold on the account but then asked for pictures of my license and the last XXXX of my social security number. I did not feel comfortable giving that information especially since it seems like thats what they warn against on their website. Id like the account closed.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (GA)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I paid my XXXX credit card account balance off on XX/XX/2022 Before it was transferred over to the new credit card company XXXX XXXX XXXX. There was a XXXX balance. I have contacted XXXX more than 5 times by phone. They keep telling me they no longer will service the transferred account. They keep referring me to XXXXXXXX XXXX XXXX the new company. When I contacted the new company about this they said I had no owed balance on my account at all. They confirmed that there was no balance. I filed more than 3 disputes with Experian. Each time they decided the balance would remain because XXXX said the balance it accurate. But I have a Bank statement from XXXX XXXX XXXXXXXX that clearly says and confirms what I am saying. I just file another dispute with Experian about the same issue, reporting fair information to my credit report. This is stopping me from conducting my business. The amount {$3800.00} paid by me
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX  XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX {$860.00}
Consumer complaint received 2020-08-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX  is reporting a late pay on my Bank of America credit that over 7 years old and will not remove it from my history. This occurred in XXXX of 2014.
Consumer complaint received 2022-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (MD)

I am having an ongoing issue with my payment submission to MoneyLion for my XXXX XXXX XXXX loan. On XX/XX/2022, I updated my payment method to a different bank account. Unfortunately, the automatic payments following the update to my payment method have all failed. On XX/XX/XXXX, after updating my payment method, I even attempted to manually make a payment with my debit card via the alternate bank account, and MoneyLion never processed the payment. 

After the many failed payments, I contacted MoneyLion customer service on Saturday, XX/XX/2022, to inform MoneyLion that I wanted to suspend automatic payments and send checks via my banking institution 's bill pay option. On XX/XX/2022, I received confirmation that MoneyLion would cease the automatic payments. I requested to know when MoneyLion will apply the checks sent via bill pay to my XXXX XXXX XXXX loan. I am still waiting for an update regarding the payment sent via my bank and am still receiving automatic payment failure emails from MoneyLion. This ordeal is angering and frustrating because I have been trying to make payments on the loan unsuccessfully. 

On top of receiving several failed payment emails from MoneyLion, I most recently received an email threatening to sell off my loan account, which will place me in collections and ruin my credit. My credit is already suffering because MoneyLon reported my account as delinquent when they had a malfunctioning payment system. Errors of this nature are completely unacceptable from a financial organization of this stature that can grievously negatively impact their customer 's credit.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

ILLEGAL DISBURSEMENTS FROM MY LOAN ACCOUNT VIOLATING RESPA ; AND INDENTURE NOT SIGNED WITH WELLS FARGO ; ILLEGAL REMOVAL OF MY MORTGAGE FROM GOVERNMENT INSURANCE GUARANTEE COVER IN XXXX WHEN SOLD TO PRIVATE INVESTORS 1. The indenture I signed on XXXX XX/XX/XXXX which was registered is NOT with Wells Fargo ( see attached ). Any other indenture purported to have been signed by me may have been manipulated. It is impossible for me to sign two indentures on one loan to two mortgagees with the same TITLE NO : XXXX. XXXX Wells Fargo has no authority to transfer the deed to a group of Investors, thereby removing the government guarantee cover ; with the borrower no longer qualified for CARES Act and other Government mandated programs. 

2. I was therefore not owing 3 months mortgage arrears estimated at {$12000.00} ( which by Wells Fargo admission is {$9500.00} ) as at the time the forgiveness of the deferred principal balance of {$140000.00} was cancelled which was the condition stipulated in the loan modification agreement.

3. The entire loan, disbursements and servicing is full of irregularities, manipulation and violations of  consumer protection laws which XXXX XXXX  inspired CFPB was established to address such misdemeanor and fraudulent activities in the financial industry. 

4. Wells Fargo admitted to have disbursed {$3400.00} from my loan account without ever informing violating which CFPB is established to enforce in other to protect the consumer. These amounts must be repaid back into my account. There were not foreclosure activity in XX/XX/XXXX. 

5. Therefore the loan forgiveness must be reinstated and the Unpaid Principal Balance ( UPB ) transferred accordingly adjusted to {$460000.00} less amount repaired by borrower since XX/XX/XXXX ; and the XXXX XXXX XXXX and the new Servicer, XXXX  accordingly informed. 

6. The first UPB of {$460000.00} should be cancelled as I did not sign the same indenture to two mortgagees at the same time.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I have had a credit card for 4 years. TransUnion and XXXX  do not provide me with my credit report or credit score. I called both TransUnion and XXXX  several times and they refuse to help me. I even mailed in dispute to each of the companies. My credit card company sends my credit history to these credit bureau every month, on the XXXX  of the month. Yet I never receive my report or a score. When I ran a credit check, I got the following errors. 1 ) Transunion error : " Record not found '' 2 ) XXXX  error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' TransUnion   said that my first name is too short and so I need to hire a credit repair service. XXXX  said I do not have a credit file. If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with TransUnion and XXXX  ; and they are not even trying to investigate the issues. Why are these bureaus being to reluctant to help a consumer?
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

This has been going on for years now and the bank tells me they dont see any bank errors in their process and are not refunding any fees. 

The bank is charging me overdraft fees for XXXX XXXX payments that was supposed to post or show on my account on XX/XX/2024, but are not being processed and posted until XX/XX/2024 and hitting me with fees even after I have transferred the amount from another bank account to cover the overdraft amount. 

But the bank is still charging me overdraft fees because the date shows it was posted on the XXXX of XXXX which it wasnt. 

They didnt give me any time to cover the fee on the date they claim it was posted. 

I would like them to be investigated for this violation of my rights.
Consumer complaint received 2020-09-29
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. (GA)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX   Last reported XX/XX/XXXX {$620.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX - XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX   Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  - XXXX XXXX  XXXX   XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX