davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting 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)

MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Equifax to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX of 2022, there was an unauthorized wire transfer of XXXX to my account. The money was taken from my savings account. How this happened was that I got a message saying that my card has been blocked. I got an email saying that there was a fraud alert on my account because there was a wire transfer that was authorized but I did not authorize it. On the email, it gave me the option to cancel the wire transfer and a few minutes later I received another email saying that the wire was successfully canceled. I know these emails are real emails, not fake ones because the real emails have the last 4 digits of my bank account in the top right corner. After I got the email saying it was canceled I drove to the bank and the lady who helped me also put in a claim to cancel the transfer. The bank does not want to be responsible even tho they emailed me that the transfer was canceled which is not fair at all.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Since I've been with Wells Fargo I have had XXXX new debit cards issued to me due to charges that were not made by me. 
It's a hassle to let the merchants of Bill pay know of the new cards each time.

And 1 time I overlooked to let one know and was charged late fees.
Consumer complaint received 2024-03-12
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. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

on XX/XX/19 I flew out to XXXX to visit my mother. While at the airport I made some purchases using my debit card from Bank Of America. I made one purchase at a XXXX vending machine for {$20.00} and another one at XXXX XXXX for {$8.00}. After I finished my meal I left the airport, got picked up and went home with my mom. When I got back to XXXX on XX/XX/XXXX I noticed that there had been multiple cash withdrawals in my account for about {$1000.00} dollars that I did not make since these transactions had been made in XXXX. I quickly got a hold of the bank of America and I initiated a claim. I advised them that I have not been to XXXX and that I did not make these transactions, but I never heard back from them until today XX/XX/19 that I called to get an update to later find out that my claim had been denied. I explained to them that I had lost my wallet at the airport and that the pin number to the card it is my date of birth which is on my ID that was also in my wallet & that my debit card has the pin written on small font on the back of the card. However, they told me that there was nothing that they can do to help. They are seeing these transactions as valid and are refusing to help me. 

My claim number is XXXX
Consumer complaint received 2019-12-19
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. (CA)

I have been in the care of my fiance ' for over 12 years in which I have been well cared for and did not have to want for aqnything notr had I any need for credit as he provided everything for me upon his insistence. My fiance ' recently died and I have been in need of housing for myseklf, so I have checked my credit with a monitoring service and have found out that my credit has been used for someone to obtain various services and products. I have files various fraud affidavits with local police, FTC, and other credit service provided to putan end to this fraudulent use of my personal information.
Consumer complaint received 2019-12-19
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. (WA)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$3400.00} on XXXX XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently and does not belong to me. I have filed a formal complaint with Identity Theft.gov as well. Please see confirmation page with reference number XXXX attached. I did not now, nor have I in the past had an account with XXXX XXXX XXXX/XXXX   XXXX. I did not sign nor did I give permission for this account to be opened. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. REVERESE MY PAYMENT HISTORY I NEVER BEEN LATE ON MY REPORT IT SAYS I WAS LATE XX/XX/2019. 
1. Other information I would like changed XXXX XXXX Account Number : XXXX I was never late 2. Other information I would like changed XXXX XXXX  XXXX Account Number : XXXX I was never late 3.  Other information I would like changed XXXX XXXX Account Number : XXXX I was never late
Consumer complaint received 2023-02-14
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, ONLY ADDRESS IS XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TEXAS XXXX, ONLY NAME IS XXXX XXXX XXXX, PLEASE REMOVE ALL OTHER ADDRESS AND NAMES OFF REPORT, Please remove these inquiries from my report
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN HAS REPORTED THE INFORMATION ON MY CREDIT REPORT FOR MONTHS AND THE ACCOUNTS LISTED BELOW DO NOT MATCH THE ACTUAL HISTORY OF MY CREDIT ACCOUNTS. I HAVE COMMUNICATED TO EXPERIAN TO PLEASE REMOVE THESE ACCOUNTS. I INFORMED THEM OF THE ERRORS BELOW IN WRITTEN LETTERS. 


XXXX XXXX Account Number : XXXX You are reporting that there Is a " balance '' of {$760.00} and " Past Due '' amount of {$180.00}. it cant be both. Delete. You also are reporting late payment status is " 150 days late '' but XXXX   shows " 120 days late '' it can not be both AND you also report Late Payment Status is only " 30 days late ( 1 time ) It can not be late 150 days and only have ( 1 ) 30 day late payment at the same time. DELETE Immediately. 


XXXX XXXX XXXXXXXX Account Number : XXXX You are reporting this account has a " past due '' amount and " balance '' but the payment status shows is " charged off ''. It can not be both. You are reporting ( 1 ) 30 day late payment and the other credit reports do not report any late payments. It can not be both. 

XXXX XXXX Account Number : XXXX You report there is a " Past Due and Balance '' of {$11000.00} but this account is " Charged off '' at the same time. it can not be both. You are reporting ( 1 )  30 day late payment but XXXX  shows no late payments. It can not be both. 

XXXX XXXX Account Number : XXXX You are reporting a " balance and past due '' amount of {$1000.00} but this account is " Charged off '' It can not be both. You are reporting ( 1 ) 30 day late payment but the other credit bureaus report 0 late payment status. it can not be both.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

I initiated a dispute with Wells Fargo credit card ending in XXXX on XX/XX/2019 for {$27.00} from a coffee shop at the airport of XXXX XXXX. I got some food and it was damaged or defective. As a result I got XXXX XXXX and XXXX. Since in XXXX XXXX is not unusual for contaminated food to be sold or for people to be sick, I went to the doctor on XX/XX/2019 to check to make sure I did not have a virus. On XX/XX/2019 I got a letter stating my dispute had been declined because is believed to be a " tort claim ''. I called back on XX/XX/2019 and requested to speak to reopen dispute. I spoke to several reps but all denied my requests. One rep told me to send a letter from a doctor showing that I went to get some attention from a doctor and to explain in a letter what had happened. I sent the documents same day XX/XX/2019 by email and never heard back from Wells Fargo again. Today XX/XX/2019 I called to check the status and I was told the dispute was never reopened and that they had gotten my email with paperwork. I spoke to a supervisor XXXX and she did not give me any options to appeal the decision or of my rights for a dispute. I also was never given any options by mail or course of action to take for a declined dispute and what to do. I told XXXX that if my dispute was not reopened and resolved that I would close my account and file a complaint. I also mentioned to her that I believe the dispute department tried to deny me my dispute and used as an excuse " tort claim '' to deny my claim without any explanation or substantial evidence. Please see all letters supporting my complaint.
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EMCC Holdings, LLC (NJ)

I bought a time share with a deed at XXXX XXXX XXXX in XXXX VA, the mortgage is held by a company called Equiant. I make my monthly payments plus an additional principal payment each month. In the past they did n't apply the additional principal payments properly so I always check my statements carefully. I found that in XXXX of 2017, they did n't apply any principal from my regular payment ( it would have been a smaller amount due to the number of days between payments, but that is n't the point here ). When I called and asked about it they told me that there must have been a glitch in the computer system and that there was nothing they could do about it. I asked them to go back and make an adjustment and they again said there was no way to do that. I spoke with XXXX and she spoke with her supervisor XXXX who confirmed they could n't do anything about that particular payment and I should just keep an eye on my future payments. Please look into this and help me and others make sure our payments are applied properly.
Consumer complaint received 2019-12-19
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)

I have been trying to dispute these accounts on my credit report but i havent had any success. Please delete and block the following accounts : XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX {$25000.00}
Consumer complaint received 2019-12-19
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)

I have been trying to dispute these accounts on my credit report but i havent had any success. Please delete and block the following accounts : XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX {$25000.00}
Consumer complaint received 2019-12-19
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reese Law Group (CA)

There was a lawsuit Reese Law Group on behalf of XXXX XXXX XXXX sued my son and I over a multi-car accident. The judge proposed decision to {$8300.00}. Then, it was modified, because my liability was limited to {$5000.00} in economic damages and {$1800.00} in non-economic damages. A total judgement was entered for the amount of {$8200.00} on XX/XX/XXXX. 

I called Reese Law Group many times to settle it. They gave me a direct line to a person that was handling my case. I called her many times and left her voice messages, but she never called me back. She picked up a phone two times and she said that she would call me back, but never did. 

In XX/XX/XXXX, I received a letter from county of XXXX stating that a lien was filed on my name and my son 's name. I emailed the judge and asked him for help. He suggested that I call XXXX XXXX XXXX directly. I called XXXX XXXX XXXX XXXX and left her a voice messages, she did not call me back. 

On XX/XX/XXXX, I received an email from Reese Law Group supervisor and he said that I need to pay amount with accrued interests in the amount of {$590.00}. I explained him that I had tried contacting them to resolve, so the interests should not be charged, but he declined it. He said that if I don't pay, they are going to more damage that they had done. So, I decided to pay and deal with interests later. Then, he twisted the judgement language and said I owe them {$8800.00} and my son owes them an additional {$1600.00} and to satisfy the judgement they ( XXXX XXXX and Reese Law Group ) will need {$10000.00}. If not, they will do more financial damages to us. 

Please help!
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OR)

Amerihome Mortgage has repeatedly failed to communicate with me in a timely/effective manner to notify that a payment was reversed. My account has sufficient funds and I have verified on their site that my information is correct. Trying to avoid a delinquent payment with them is like herding cats because of the ineptitude of their staff and lack of functionality aloft of their site and systems.
Consumer complaint received 2019-12-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NC)

I have a variable interest rate loan with the interest rate tied to one-month LIBOR, as described on Page 3 of my loan 's promissory note : " he variable interest rate is based on the 1-month London Interbank Offered Rate ( LIBOR ) ( currency in U.S. dollars ) that was published on The XXXX XXXX XXXX 's website ( or any generally recognized successor method or means of publication ) on the XXXX day of the calendar month immediately preceding each " Change Date '', as defined below. If LIBOR is no longer available the servicer will choose a comparable index. The interest rate on my loan will change as described below throughout the life of my loan until all amounts owed are paid in full ( whether before or after default, and whether before or after the scheduled maturity date of my loan ). My variable interest rate and Annual Percentage Rate ( APR ) will increase or decrease if 1-month LIBOR described above changes. The variable interest rate is calculated by adding the margin stated at the top of this Note to the 1-month LIBOR index published on the XXXX day of the calendar month immediately preceding each Change Date, as defined below, rounded to two decimal places. ( If the XXXX day of the month is not a business day or is a holiday, the reference date will be the most recent date preceding the XXXX day of the month that is a business day. ) The variable interest rate will change on the first day of every calendar month ( " Change Date '' ) if 1-month LIBOR changes. '' So, per the terms of my Promissory Note, for a given month, my interest rate is determined by rounding the rate published in the XXXX XXXX XXXX on the preceding XXXX of the month to two decimal places. Effective XX/XX/2019, Mohela, my loan 's servicer, is showing my loan 's effective LIBOR rate as 1.71 %. However, the rate published by the XXXX XXXX XXXX on XX/XX/2019 was 1.70275 % ( emphasis added ). The rate can be easily verified by visiting any local library and/or contacting the XXXX XXXX XXXX. Rounding this amount, per the terms of my Promissory Note, results in a rate of 1.70 %, not 1.71 % as is currently being applied. I have contacted Mohela multiple times about this matter and they state that, even though my loan is not being serviced in accordance with the terms of my promissory note, there is nothing that they can do to change the interest rate. Despite my insistence that they research this further and asking to have the issue escalated, Mohela is giving me the runaround. This is completely baffling to me - I am not the only one affected by this issue and I can not understand why a student loan servicer would be so apathetic when an error is pointed out. 

I would like the CFPB 's help in compelling XXXX XXXX / Mohela to service my loan correctly which, in this case, means retro-actively adjusting my applied interest rate to 1.70 % rather than 1.71 % for the month of XXXX, as well as doing the same for ALL affected customers.
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (DE)

In XXXX there was a collection put on my report by Radius Global Solutions for {$1100.00}. I never received anything in the mail stating that they received this debt in their office and I have the right to question validity. I sent a letter in XXXX requesting validity and I have yet to get a response. My letter was mailed out on XX/XX/XXXX. Upon further investigation, it stated on my credit report that the first day of delinquency was XX/XX/XXXX. Meaning this was an attempt to get payment before the 7 year rule applied. These unlawful tactics has cost me so many points on my credit and I want thus item removed for not notifying me the correct way. This company did a soft pull on my credit back in XX/XX/XXXX, therefore they had my correct address to send me a letter notifying me of this debt. They failed to acknowledge my rights according to the FDCPA laws. They have past due balances and original amounts due but I have no business with them. Therefore those items should not be reporting.
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Franklin Collection Service, Inc. (IL)

on XX/XX/2019 at appox:XXXX XXXX  XXXX I called Franlin collection firm after receiving letter by mail spoke to a rep by the name of Mr. XXXX XXXX at ext XXXX whom I provided the Fcsi  case number rep did not Identify any other information to be sure he is speaking to the right party and never resighted the mini miranda before discussing the debt.. I advised rep I was in abritation with creditor at and t regarding contract and services that were discussed and that i was disputing the debt. The rep was talking with me and over me with a very mean tone which offended me after i told him i was disputing he sill insist payment and explained his attempts to still collect the debt after being told i prefer no contact until matter is resolved through arbritraction with the XXXX.
Consumer complaint received 2019-02-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FORD MOTOR CREDIT CO. (NY)

My ex wife and I purchased a car with ford motor credit, we got divorced in late XXXX. She allowed this car to be repo and filed bankruptcy on the debt ( since in the divorce decreed, per the judge, she was given the car and the judge removed me from all responsibility with this debt ). In XXXX, before I was about to be transfer to my new command in Oklahoma, I received notification regarding being suited for this auto loan. I tried to contact the law firm and received no response from them-They refuse to call me back. I went to court and I should the paperwork of my divorce and other document to the judge. He proceed to dismissed the case, and told the attorney that they need to come back to court when they can prove their case properly. I thought it was done. In XXXX I'm XXXX in XXXX and filed out that I'm being garnished for a auto loan that I wasn't served on after the court case in XXXX. I can't pick up the phone and call the law firm-I 'M IN XXXX. By the time I get back- I'm sent back to XXXX  XXXX and then TO XXXX XXXX Ks . I have tried to contact this law firm and ford motor credit and can't get any responds back. THIS GARNISHMENT HAS BEEN GOING ON FOR ALMOST TEN YEARS-The problem with judgment is, Virginia Court System Clears their system every about 5 -7 years, so I can't find anything on this original judgment other then the garnishment paperwork. They have taken from me a total of XXXX on a car and I still owe XXXX. And the best part of this issue, the car didn't even cost that much in the beginning.