davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I am trying to find out if my account from Wells Fargo was a part of the settlement for breaking federal consumer protection laws. 

I had an account from XXXX to XXXX. I have spoken to Wells Fargo today ( XXXX ) and they could not find my account number. 

Please be advise I lived at the address from XX/XX/XXXX to XX/XX/XXXX with one of the co-signers on the mortgage loan ( XXXX XXXX ). 

We were divorced in XX/XX/XXXX and I kept the house. 

Please also note that XXXX and my parents, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX co-signed with XXXX, but I paid the mortgage the whole time we lived at the house. 

I was not able to sign onto the original mortgage due to a past bankruptcy, but a year later in XXXX I refinanced my parents off the loan and put my name on it and this is when Wells Fargo sold my mortgage to another company. 

Please have someone look into this matter to see if XXXX XXXX ( aka XXXX XXXX ) or my parents are eligible for the proceeds of the lawsuit.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (TX)

Around XXXX I agreed to pay a fee to enroll in a payment program, which decreased my monthly payments to XXXX from XXXX a month. Before the pandemic hit I was already set up for automatic payments by them thru their program. They took out payments with no issues. I called them on XX/XX/XXXX to find out why my payment was not made b/c the funds were there but I did not get answer. A few weeks later on XX/XX/XXXX, I get phone call from them saying that my account was delinquent. I immediately asked how? She then went on to say I asked for assistant. That's when I made it very clear NO I did not. If I wanted assistance I would have applied on line. The rep. then went on to say that I called and cancelled. AGAIN NO I DIDN'T. I then asked her to show me evidence that I called and cancelled. My phone records ( 4minutes ) will show where I called on XX/XX/XXXX but got no answer. I noticed a lot of charges that are repeating on my account along with accrued interest rates that are accumulating that I DID NOT make. I strongly believe that the way they have the statements printed is FRAUD. I was not getting paper bills, so I looked at my account online. Keeping up with Balance. That's when I realized XXXX dollars been debited from my account since 2018. Because I frequent XXXX that's local and they has it listed as if I drove 900 miles to XXXX. Big RED FLAG. It's definitely not identity theft, this is controlled from inside.
Consumer complaint received 2019-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2019 I consolidated all of my XXXX student loans with XXXX servicing. The new loan appears accurately on my report. However, my 12 XXXX loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to XXXX but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTE XXXX 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 SOUTHWEST CREDIT SYSTE XXXX 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 XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

In XXXX of XXXX I opened and deposited {$100000.00} in a Citi Accelerate Saving Account at Citibank, subsequent deposits brought the account to today 's balance of {$140000.00}. On XX/XX/XXXX I attempted to access my account so I could transfer some funds to my checking account. After multiple attempts and 2 phone calls ( each waiting 2 to 3 hours ) I was informed that my account has been to deactivated because it had not been active in two years. I was informed that the account can only be reactivated by going to a Citibank location or writing Citibank Client services in XXXX XXXX. I live 267 miles from the closet Citbank branch in XXXX VA. 

Therefore I sent a certified letter to Citibank Client Services on XX/XX/XXXX. It was delivered on XX/XX/XXXX. I heard nothing. I called Citibank again ( two hr wait ) and was told that " being delivered and being received are different things :!!, they are sorry but write another letter. I called the manager at the XXXX branch who could do nothing to reactivate my account and said my letter needed to be notarized and I needed to use their form to request reactivation. He gave another number to request the form. Called that number ( only 1/2 hr wait this time ) and was told no form was necessary and send another letter to Client services. 

On Friday XXXX XXXX I sent a XXXX  envelope with a notarized letter requesting my account to be reactivated. The package was signed for on XX/XX/XXXX. I still have heard NOTHING. 

Please assist me in retrieving my money.
Consumer complaint received 2022-10-05
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. (GA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-05
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. (GA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXY ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX COLLEGE XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-13
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. (NJ)

The account was reported closed with all credit bureaus. XXXX improperly opened the account back up to report the account 30 days late and then closed the account again. Significantly dropping my score. Then the account was immediately listed as closed again after this was done. I have been severely impacted by this.
Consumer complaint received 2023-11-28
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-06-09
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. (NJ)

Hello, On XX/XX/2020, i sent a dispute letter to Transunion Credit Bureau. An investigation was done and i was sent a response letter dated XX/XX/2020 that finished their investigation. I sent a certified dispute letter XX/XX/2020 to Transunion. Transunion received the letter on XX/XX/2020 per usps confirmation. A few weeks later, i get a letter dated XX/XX/2020 saying Transunion wouldn't reinvestigate the same item ( s ). The two items they wouldn't reinvestigate were a XXXX  XXXX credit card account and a bankruptcy. I sent them new information on XX/XX/2020. Example : Letters from Bankruptcy Court that specifically states they don't report or provide information to credit bureaus and a validation letter to ask where are the accounts under the bankruptcy. I have pictures of the return letter from Transunion on XX/XX/2020, pictures of the certified dispute letter, validation letter, the Bankruptcy court letter, and the certified mail receipt i sent on XX/XX/2020. I also have a picture of the Transunion letter dated XX/XX/2020 whereas they refused to reinvestgate. I dont know why Transunion would not reinvestigate after i sent my dispute letter in XXXX. I believe this procedure is against the law for the Fair Credit Reporting Act.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
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. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
U S DEPT OF ED/XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (FL)

I'm filing this complaint on behalf of my XXXX XXXX XXXX son. My son opened a Discover Card account while he was in college. At that time,XXXX, he had a part time job and I wanted him to start building his credit. His stated annual gross income was {$2000.00} and Discover gave him a {$750.00} line of credit. My son now has a {$6600.00} line of credit and he has never asked for an increase. My son 's profile on the Discover Card website indicates that he still has a stated annual gross income of {$2000.00}. My son is now out of college and looking for a job. In the course of looking for a job in the past year, he has reached his credit limit. On XX/XX/2023 my son and I conferenced called Discover Card to try to negotiate a reasonable payment plan. After speaking to XXXX agents and over an hour on the phone, the best Discover Card would do would be to lower his APR to 16 %. I do not find this acceptable and I don't understand how a person with a stated stated annual gross income of {$2000.00} can get {$6600.00} in credit.
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: EQUIFAX, INC. (NV)

I sent three letters on XX/XX/2022 to the following credit bureaus to remove inaccurate personal information from my credit report : XXXX, Equifax, and XXXX. Here are my tracking numbers for the letters dated on XX/XX/2022 : XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-06-28
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2020-06-09
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 have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. The last time I sent this issue to them they only opened a new dispute and I received the same results. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to TransUnion several times and they say the same thing over and over and over and over again, The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. The following accounts that are reporting are : US Dept of EducationXXXX, XXXX XXXX  As well as the incorrect address of XXXX XXXX XXXX XXXX XXXX, IL XXXX I have never lived at this address. I have been a resident of my current address for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.