davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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. (TX)

Someone open a XXXX charge card in my name from XXXX to XXXX and it is showing on my credit report on XXXX XXXX XXXX XXXX. Needs to be immediately from credit report. The account XXXX  on my XXXX credit report is XXXX.
Consumer complaint received 2023-01-23
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. (TX)

Someone open a XXXX charge card in my name from XXXX to XXXX and it is showing on my credit report on XXXX XXXX XXXX XXXX. Needs to be immediately from credit report. The account XXXX  on my Experian credit report is XXXX.
Consumer complaint received 2023-01-23
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. (TX)

Someone open a XXXX charge card in my name from XXXX to XXXX and it is showing on my credit report on XXXX XXXX XXXX XXXX. Needs to be immediately from credit report. The account XXXX on my XXXX credit report is XXXX.
Consumer complaint received 2019-12-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NE)

In XX/XX/XXXX, I was pre-approved for a jumbo mortgage by Wells Fargo. 

Since then I have built a home. During construction I had a {$650000.00} construction loan and {$150000.00} bridge loan. I have been working with XXXX XXXX from Wells Fargo on getting the mortgage finalized. 

On XX/XX/XXXX XXXX was sent an email stating my intent to use proceeds of the sale of my current home ( " XXXX XXXX '' ) to pay down the bridge loan. 

On XX/XX/XXXX XXXX was sent an email stating that " XXXX XXXX '' sold and would close on XX/XX/XXXX. 

On XX/XX/XXXX XXXX confirmed a rate lock of 2.875 % on the mortgage loan. 

On XX/XX/XXXX We closed on the sale of " XXXX XXXX '' and used {$70000.00} to pay down bridge loan. 

On XX/XX/XXXX XXXX called me and said our loan was declined due to insufficient liquid reserves. 


I feel this constitutes as banking malpractice due to negligence. 

* XXXX was fully aware of my Wells Fargo account balances, XXXX balance and the proceeds of my home, thus XXXX knew we needed the proceeds to be used to cover the reserves requirement. 

* XXXX knew the proceeds of " XXXX XXXX '' were going to pay down the bridge loan * XXXX knew this would mean the proceeds would not be able to meet the reserves requirement, but did not tell us. 

* If XXXX would have told us, we would have not used the proceeds to pay down the bridge loan, and instead kept them in a savings account. This would have allowed us to be approved for the loan. 

* XXXX did not act in a professional manner, or look out for my best interest as a customer.
Consumer complaint received 2023-01-23
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. (LA)

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2023-01-23
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: I.C. System, Inc. (LA)

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.
Consumer complaint received 2023-05-12
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: PENNYMAC LOAN SERVICES, LLC. (FL)

This complaint is in response to a copy of my most recent consumer reports from XXXX, XXXX, and XXXX. I noticed that PennyMac Loan Services/PennyMac Financial Services are reporting nonpublic financial transactions information on my consumer report. I did not give any of the aforementioned companies written permission to report this information. I want the following account 's transactional information removed from my consumer report immediately. 15 U.S. Code 1681c states no adverse information to be reported on my consumer report. 15 U.S. Code 1681b ( 2 ) states that ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I would like to see the written permission with my wet signature from the companies authorizing them to report this account 's information. 15 U.S. Code 6802 ( b ) - Opt Out, states I have the right to opt out and exercise my right to nondisclosure of my information. 

Pennymac Loan Services , LLC Acct # XXXX
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I applied for a credit card on XX/XX/2019, and was told by the credit card company that Experian had a credit freeze on my credit report. I logged into my account on the Experian website, and the website shows that there is no credit freeze on my account. 

I attempted to contact Experian by phone several times, but was unable to talk to a person to get this resolved, and was hung up by the automated machine every time. 

It is my opinion that Experian, and the other credit reporting agencies should be required to have live operators to answer phone calls in order to resolve issues like this. The information that Experian collects and shares, without my consent I will add, should be handled responsibly. The failure of this company to properly handle security freezes and credit locks has a negative financial effect on me personally, and on others that might encounter the same situation.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Unable to TEMPORARILY lift credit freeze with my PIN that I have have had and used several times in the past. It seems like there is some problem with their website. I have used this service in the past ( most recently a couple of months ago ) with same information and PIN successfully but this time it seems like there is a problem on their end because the page just gets stuck there but on the third try with a different browser, it told me that my information does not match and that I have to write them to lift the freeze. I DOUBLE CHECKED to make sure the information I am entering is correct by looking at my recent experian credit report and the page with the original PIN number that they mailed me several years ago. This is unacceptable and seems like there is a problem on their end. Let me explain in detail - I am using latest version of XXXX  with standard settings. The first 2 times I tried with XXXX after filling and submtting the information along with my PIN the page just stops there with the " wndow of death circle of death '' ( see the image attached ) and never redirects to the result page. When I tried to end the page and reload it said " Error Group 11 '' - this was the case with 2 tries from XXXX browser. Then I tried on the same laptop with XXXX browser and this time it took a while with the wheel window and then finally redirected me to the page saying that my information was not verifiable and that I have to write them to lift the freeze. Finally I tried on another desktop computer that I have used for experian freeze lift and after inputting my information, as in previous 2 instances with XXXX, the " window of circle '' popped up and never redirected to the result page after several minutes. Obviously, there seems to be some issue on their end probably server overload and ( being a XXXX XXXX ) whoever designed their webpage, should stop using the popup window of circle and instead redirect to a regular webpage to show whether or not the submission was successful. Either way, I should be able to do this online or by phone when the temporary lift is crucial for a short period and asking to write and wait for weeks to have this processed is not optimal. I just want to be able to lift freeze temporarily online especially since I have the PIN and have done this several times in the past. I want them to look at the website/system/servers and fix this issue. On their contact us page they have 4 options and with a phone number to get free credit reprot, they DO NOT HAVE THE PHONE NUMBER in the freeze area or a way to contact them regarding this.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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.

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.
Consumer complaint received 2019-12-18
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. (SC)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND UNACCURATELY PLACED INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a dispute letter to all XXXX credit bureaus. Equifax never responded even after the 30 days. XXXX sent a letter stating for me to call and verify that it was me who sent the letter and not a XXXX party company. I did that on XX/XX/year>. The lady who I spoke with told me that I would have to call back Monday and verify again because the department that I needed to verify with weren't in office. I feel that I have been Mishandled and treated unfairly due to the fact that its a XXXX hotline. Nowhere on the website did it say anything about being closed. XXXX asked for me to verify my Identity as well. I haven't heard anything back after sending in my proof of identity.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TN)

I dont know if I was taken advantage of or not. I had my house with them, my vehicle and my XXXX  and my checking and saving. They just charged me {$25.00} for each XXXX  I closed our. I thought that was odd. Also my checking and savings was with them for years
Consumer complaint received 2017-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

Refer Western Union MTCN XXXX Money was transferred in someones account in XXXX using my email id. I 'm a resident of XXXX, and an amount of {$380.00} including transfer fees was transferred by someone in XXXX, USA on XXXX XXXX 2017, XXXX XXXX. IST. I have never registered with the Western Union and someone has fraudulently used my email id for the money transfer.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Atlanticus Services Corporation (TX)

I called Fortiva about my amount that was due as I always do each month. This was done on XXXX the XXXX, XXXX.It was reported that my balance was XXXX which I do not have more than a XXXX. Not only this but that the last charge was XX/XX/XXXX. Which was posted XX/XX/XXXX? Whats wrong with this picture? Not only did I not make the charge but why did this not raise a flag with Fortiva? Maybe unauthorized. I had paid XXXX, and XXXX payments early and above the minimum payment. Where did those payments go????? I was about to make a monthly payment when I heard this on the automated recording. Got with a live customer service 3 times on the phone Never got it straight nor could anyone even mention where my payments had gone nor even comprehended fraud ; I continued to call to straighten out. with zero help. I will not pay Fortiva another dime.. Is this company a wash? A false credit card? please help me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
Consumer complaint received 2018-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (TX)

I did created a complain about the difficult and challenges I was having with XXXX XXXX XXXX with Debt issue back in XXXX who hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX to send me to court and I was not able to show up ( Complain with your entity cases XXXX, XXXX, -and  XXXX ). Court granted them the case and they were very difficult and harassing me all the time since XXXX. I tried a couple of times to negotiate debt with them but did not want to take my personal previous offers. I used a Credit Counseling Services Company ( XXXX office at XXXX XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX ph # XXXX ) to help me settling issue back in XX/XX/XXXX. I paid them {$5000.00} and they were supposed to and think negotiated with XXXX XXXX XXXX to clear issue. Since XXXX looking at my credit reports I did not see anything about the Civil Judgment in my records. 
Suddendly, this past Monday XXXX, XXXX my Bank Account have been garnished not allowing to touch account and I need to pay econom1cal obligations. 
I received and email I need to contact the XXXX XXXX XXXX XXXX XXXX in regards to my Garnish. I checked and found out XXXX XXXX XXXX had sold old " account '' case to XXXX XXXX XXXX XXXX, XXXX. who hired XXXX XXXX XXXX XXXX XXXX ( ph # XXXX ) in regards to my Garnish which comes from Court order case XXXX in XXXX County Civil Court No.3. 
They are demanding to pay previous Debt of {$10000.00} plus attorney 's fees # XXXX plus 24.99 % for the entire term of debt since XXXX XXXX, plus post judgment fees of 18 % on the principal? of 07.25 %. 
I am really devastated because I already lost {$5000.00} which I thought were used to stele previous amount with XXXX XXXX XXXXXXXX and now a new XXXX XXXX XXXX XXXX XXXXXXXX XXXX is using XXXX XXXX XXXX XXXX XXXX XXXX Texas Bar No. XXXXXXXXlocated at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX. Ph # XXXX. 

Please I really need advise because it seems like these entities are trying to take advance of hard working people like me. It seems like they said the total amount of Debt is running in the {$70000.00}. I am a family parent trying to do the right thing but I do not want people trying to take advantage of my situation. 
Greatly appreciate your support. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX.Tx.XXXX
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear CFPB Transunion don't want to fix inaccurate accounts on my report. How can Transunion verify these inaccurate accounts? ( 1 ). Did you talk to the court and if you did who did you talk with at the court? ( 2 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 3 ). Can you provide me with the contact number and name of the person you talked to? Transunion told me that they use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : XXXX XXXX XXXX XXXX   XXXX Date Filed : XX/XX/2017 Bankruptcy XXXX XXXX-dismissed Reference : XXXX and XXXX XXXX XXXX XXXX   XXXX Date Filed : XX/XX/2017 Bankruptcy XXXX XXXX-dismissed Reference Number : XXXX I'm waiting for your response.
Consumer complaint received 2019-12-18
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: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2018 a TD bank visa credit card was opened in my name fraudulently for somewhere around {$5000.00} dollars, note, i found this out about seven months later when i was going to buy a new used car ( the salesman found this td bank unpaid loan on my  credit report ) i never got mail with a bill or anything at all.if i didnt go to buy this car i never would have known.i contacted XXXX which i already had and they told me to contact XXXX and after several disputes they cleared me and restored my credit.so i let it go thinking all was ok.then i started getting calls from XXXX   XXXX to who i didnt respond due to advice from different people. ( maybe wrong advise ) anyway i called td bank fraud department about a week ago gave the person some info and this story and she said she would stop the calls, to this day the calls are still coming.with advice from XXXX i printed a report from XXXX  and found attempts by someone trying to do it again but i froze my account and they couldn't do it.i always had great credit till td bank came along. thank you
Consumer complaint received 2024-03-18
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. (NY)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) an on XXXX it's ( XX/XX/XXXX ) on XXXX its XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Home Loan Center, Inc. (IL)

Money was deposited into my account and I had to send the money to Lending Tree using money card set up by them using XXXX XXXX XXXX for XXXX on XX/XX/26. That night my account was frozen by my bank and a check received was marked fraudulent
Consumer complaint received 2019-12-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

LOAN NO.XXXX Gentlemen, On XX/XX/2019 I applied for a Title loan from XXXX, I was approved on XX/XX/XXXX and ever sense I have been trying to set up my account on line to be able to check my information and most important, to be able to make my payments and have not been able to do so. I have repeatedly contacted XXXX  over the last three weeks, have spoken with several customer service reps, I have been given via email several passwords and to no avail I still can not access my account An hour ago I spoke with a " Supervisor '' by the name of XXXX XXXX who had no clue and did not have a solution to my problem, I asked her to switch me over to the IT department and she told me the speak to no one, then I suggested we did a three way call and she also refused to do so. After 20 minutes of getting no where with her she told me to contact their compliance department and that was the end of the conversation. 

I HAVE NEVER HAD SUCH BAD EXPERIENCE WITH A FINANCIAL INSTITUTION IN MY LIFE AND DEEPLY REGRET HAVING GONE OUT OF STATE TO GET A LOAN. 

Having said this I would appreciate that your agency expeditiously act on this complain and have this someone in this IT department for this company to contact me in order to resolve this issue once and for all. 

Sincerely angry XXXX XXXX Tel XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX email XXXX XXXX XXXX
Consumer complaint received 2019-12-18
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. (MD)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.