davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Disputed items on credit report as a result of identity theft / fraud with submitting an Identity theft report from the Federal Trade Commission. Items disputed were XXXX XXXX and XXXX XXXX. XXXX XXXX has been removed but XXXX XXXX is re-appearing. These items have been removed twice now, and the original investigation has exceeded 30 days. If these items are going to continue to be removed, they need to be blocked as the law states. 

Please refer -- 15 U.S. Code 1681c2 states " XXXX of information resulting from identity theft. A statement by the consumer that the information is not information relating to any transaction by the consumer. '' The law requires the information that is a result of fraud to be blocked. This is the third time I've had to dispute this information. And the investigation process has exceeded thirty days. I will now be filing legal complaints with my state attorney general office.
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

Some one at WellsFargo without my knowledge opened account for me couple years ago. 
I did complaint to the branch manager, they supposed to take an action and let me know but they never did. 
I never authorized for theta account and my signature. 
WellsFargo has sells pressure for the employees and we as clients we should pay for it.
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

I noticed an account placed on my credit report I have no knowledge of this account this is a result of fraud and I have no knowledge of this company the balance is XXXX I would like debt validation such as my signature on file or a document to prove this is my bill if no validation is available I would like this item remove from my credit report within 24 hrs or receipt of this notice
Consumer complaint received 2021-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IL)

I refinanced in XXXX and that company sold my loan to AmeriHome Mortgage. The beginning of XXXX I noticed they did not make note on my first bill that a XXXX payment was made to the original company for {$2100.00}. It showed {$100.00} and nothing to my escrow account. I called then and sent proof of payment. In XXXX, I received an escrow analysis showing I was short {$750.00}. I just refinanced and I doubt within one month my escrow is short. Funny the amount I am short is about {$6.00} difference than what the XXXX amount should have been. I have spent at least 4.5 hours trying to rectify this but they do not return calls or follow through when I ask them to look into this. I am beyond frustrated with this company and I had no choice with who bought my loan. They said there records show a return call on XXXX but no message was left or another call attempted. They return calls in 24 hours and that was my return call from XXXX, way past 24 hours.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry XXXX XXXX XXXX || Date of inquiry : XX/XX/2022
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have a XXXX  mastercard ending in XXXX through XXXX XXXX, which I had disputed unauthorized charges from XXXX XXXX XXXX over 3 months ago. After numerous complaints an employee from XXXX XXXX finally contacted me on XX/XX/2021. 
This employee identified himself as XXXX ( runs the back office for XXXX XXXX ). XXXX XXXX goes through XXXXXXXX XXXX  to offer the XXXX Mastercard. 

XXXX attempted to explain why my disputes were not handled properly and why they were furnishing inaccurate information to the credit bureaus. XXXX did apologize for the way my account and issues were handled which I appreciated. XXXX requested to start over with my original disputes and allow him to conduct the investigation that should have been conducted 3 months ago. 

I informed XXXX XXXX would no longer discuss this issue until the balance the XXXX card is wrongly reporting is updated correctly to a XXXX balance. I explained what I have been through and how the inaccurate reporting has caused me financial, and emotional harm. XXXX was not receptive and our conversation ended. About an hour later I attempted to log in to my XXXX Mastercard account and was blocked. As of today XXXX XXXX my account continues to be blocked. 

I can not access it online or by phone. I have called customer service numerous times and no one has been able to help me, I am placed on long holds without anyone picking up the phone. If there is a small balance remaining I have no way of making any payments. I am completely blocked and one representative claimed the entire account was charged off for fraud. Makes no sense ... If XXXX reports this account in any negative way it is clearly a deliberate attack to harm me by ruining my credit more than they previously have.
Consumer complaint received 2021-03-11
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. (NV)

I, XXXX XXXX XXXX, have noticed XXXX  XXXX XXXX  of my/XXXX XXXXXXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to XXXX XXXX XXXX  in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by XXXX XXXX XXXX  on XXXX XXXX. 
XXXX XXXX XXXX  has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also XXXX XXXX XXXX  has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that XXXX XXXX XXXX  Validate the alleged debt said to be owed by XXXX XXXX XXXX, however XXXX XXXX XXXX  wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), XXXX  XXXX  XXXX  continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I, XXXX XXXX XXXX, have noticed XXXX  XXXX XXXX  of my/XXXX XXXXXXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to XXXX XXXX XXXX  in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by XXXX XXXX XXXX  on XXXX XXXX. 
XXXX XXXX XXXX  has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also XXXX XXXX XXXX  has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that XXXXXXXX XXXX XXXX  Validate the alleged debt said to be owed by XXXX XXXX XXXX, however XXXX XXXXXXXX XXXX wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), XXXX XXXX XXXX  continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

Equifax has lowered my credit score by at least 7 points fraudulently. The reason give they said my account - XXXX XXXX had been closed which negatively impacted my credit score. My account XXXX XXXX is open and in good standing. This is not the first time my credit score has been negatively impacted by incorrect information
Consumer complaint received 2021-03-11
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: GOLDEN 1 CREDIT UNION, THE (CA)

I requested specific information from XXXX in order to resolve an issue with Golden 1 Credit Union. I reached out to Golden 1 Credit Union President/CEO XXXX XXXX in XX/XX/XXXX via certified mailed as well as XXXX XXXX and Senior VP XXXX XXXX on XX/XX/XXXX. Both requests were not responded to. I would think they would be empathetic regarding the climate of our world right now and how everyone is struggling just to survive and a consumer does not just reach out for no reason unless they really needed assistance. I then reached out to XXXX in XX/XX/XXXX. What is suspicious and odd to me is to reach out to a financial institution on two occasions and not receive a response about information reported to a reporting agency such as XXXX and then that reporting agency does not properly investigate or fulfill my request. I sent my request on XX/XX/2020, I then track the item to see that XXXX must have received my letter on XX/XX/2020, yet on XX/XX/2020. XXXX generates a response to me stating they are investigating and will respond, however I never received any of the information that I requested. That is odd that both entities are taking a hands off approach when a consumer is reaching out for assistance. I also believe that XXXX is in violation for not researching my request.
Consumer complaint received 2021-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I have not received any of my mortgage statements through the mail. This company has not recorded my deed of trust to my property in the county recorder 's office as of 2016. I have not received verification as well as validation to the following : 1. Chain of Custody of Title to my property 2. Validation of the actual debt that is claimed payable and due my property 3. Proof that you have applied for the default insurance for my property 4. A comprehensive and certified copy of all the accounting ledger since the accounts creation of my property 5. A power of attorney to act or represent the interest of the alleged holder of this note to my property 6. Legal proof that you have perfected title to my property
Consumer complaint received 2021-03-11
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX, I respectfully requested to have these hard inquiries removed from XXXX  credit file. These Hard inquiries are inaccurate and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
The Hard inquiries are ( see Below ) The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX The following account is not mine XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-11
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: I.C. System, Inc. (CA)

As of XX/XX/XXXX, a collections company called I.C. System, Inc has " flagged my account as Collections ''. This alert claims I have an unpaid balance to a " XXXX XXXX XXXX ''. 

There is a remark listed as " Affected by natural disaster. '' This utility company claims I have an unpaid balance in the amount of {$690.00} that has been due since XXXX of XXXX. I have absolutely no idea what this is about, whether or not it's a legit company with a legit charge for somebody else, or its an illegitimate company with a fraudulent charge. Either way, I have no idea how this ended up on my XXXX and XXXX  credit reports and it needs to get removed and this company cited.
Consumer complaint received 2021-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Since XXXX, I have been unable to file a dispute online through Transunion.com or any site. I have contacted Transunion weekly to have the issue resolved. I have attempted to mail disputes to Transunion and was notified through certified mail that my correspondence was delivered. However, Transunion never acknowledge my disgust request and I was never notified that my dispute would not be investigated. Transunion Refuses to investigate why I am unable to submit this piece online and keeps pushing for me to make my dispute over the phone Which I am unable to provide supporting documents.
Consumer complaint received 2022-01-03
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. (MS)

I did not not give Equifax permission to allow these corporation to obtain my credit report. There was no permissible purpose for my credit report to be disclosed to the following corporation on these dates XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Equifax has violated my consumer rights by furnishing my credit report to these corporations without my permission or permissible purpose. Equifax is in violation of 1681b ( c ) ( 3 ).
Consumer complaint received 2021-03-11
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: General Motors Financial Company, Inc. (IL)

In XXXX my wallet & personal information was stolen & I experienced identity theft. I alerted all the proper authorities. I also in the past have placed a fraud alert with XXXX XXXX XXXX In XXXX after getting updated credit reports from all 3 credit bureaus I was made aware there was a auto loan with company GM Financial. I immediately went to XXXX police department to report identity theft. I filed a police report & have submitted it to the credit bureaus & GM Financial Company. I wasn't getting any response or cooperation except from XXXX whom finally removed the account. The FCRA fair credit reporting act is supposed to protect me as a consumer. The company & credit bureaus have had well over 30days to provide original authorized documentation to proof this is my account. They have failed to provide this burden. I have been affected & denied housing & other products. I have had to reach out & obtain a lawyer. I am requesting & demanding an account deletion immediately.
Consumer complaint received 2024-02-28
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. (PA)

To Whom It May Concern, I am writing to dispute the inaccurate and incomplete information that is currently being reported on my credit report. Despite my repeated attempts to contact you and resolve this issue, I have seen no progress in correcting the errors. 
As a consumer, I have the right to accurate and complete information on my credit report, as stated in the Fair Credit Reporting Act ( FCRA ) 602. Congressional findings and statement of purpose ( b ). Therefore, I am demanding that you immediately delete and remove the following information from my credit report : XXXX XXXX XXXX - Account # : XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # : XXXX I have carefully reviewed my report and have determined that these accounts are not accurate representations of my credit history. I have made numerous attempts to contact you and provide documentation to support my claims, yet the errors remain on my report. 
I urge you to take immediate action to correct these inaccuracies and provide me with a corrected credit report. Failure to do so will only continue to hinder my ability to obtain employment and provide for my family 's needs. 
Please provide me with proof that the accounts in question are accurate and true, as required by the FCRA. If you can not provide such proof, I demand that you immediately remove and delete these accounts from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 

Regards, XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

This account has been resolved and has a - $ XXXX- balance. It has been paid off with XXXX Any questions can be referred to their attorney XXXX XXXX at XXXX This was for a XXXX credit card. 

Please show the account closed with a $ XXXX balance as this has been resolved with XXXX
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (AK)

I applied for the SAVE plan on XX/XX/2023. I have still not been transferred to this plan, and it's XX/XX/2023. I called Telnet repeatedly and could not get ahold of anyone despite waiting over two hours. I finally got someone who told me that it would only take 30 days, and that the interest would not accumulate after the date I applied. However, my interest has continued to accrue and I am still not on the SAVE plan. I can't make payments on my loans until this is fixed.
Consumer complaint received 2021-03-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (DE)

To Whom It May Concern : I would formally like to file a complaint against Wells Fargo. In 2020, during the early stages of COVID, I went through a furlough at my job. Due to me being out of work I contacted Wells Fargo in XX/XX/2020 to request a deferment on my MTG account, for 6 months. I was granted the 6-month deferral and immediately after those 6 months expired, I resumed making my payments as of XX/XX/2020. Once I resumed making my payments I reached out to Wells Fargo and advised them that I had resumed making my payments. I was told that until all paperwork was completed for the deferment period, payments could be made ; however, they would not be applied to my account accurately until all paperwork was finalized and updated due to the deferral request. I have continued to make my payments on time since XX/XX/2020 through this present day. I have continued to call Wells Fargo numerous times each month to ask how long it will take to get my account back to normal. I have been promised so many different dates that I have lost hope in my account ever being fixed. This is not only affecting my credit reporting but it is also preventing me from being able to refinance my current home and from also trying to buy a new home. It is so hard to believe or understand why it has been 4 months and counting and this issue still has not been resolved. I keep getting tossed around to different people and it seems no one knows what they are doing. I need for this issue to be resolved immediately.
Consumer complaint received 2021-03-11
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. (PA)

I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.