davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

I am a victim of identity theft. My social security number and bank account information have been compromised.My daughter and son are having the same problem, and we are trying to resolve this. My daughter 's hard drive that included all of my family 's personal information was stolen. On XX/XX/2019, I found out that the thief has been using my social security to open up new credit card accounts and tried to withdraw money from my checking account through ACH by using my account number and routing number. The thief also changed the account information on Transunion such as current address, email, phone number so that I can't have an access to my own credit report and place a credit freeze. Also, since XX/XX/2019, the thief has applied to 7 companies to open the account, and two credit card accounts have been open under my name without my authorization. I filed the police report and reported to Federal Trade Commission. I have already contacted two companies that are associated with 2 new credit cards, and I have asked them to remove the accounts on my credit report. On XX/XX/2019, I contacted Transunion customer service center to dispute the items on my credit report. However, the customer representative won't help me with me and take care of hard inquiries that are completely fraudulent. Since XX/XX/2019, there has been 7 inquiries and 2 open accounts that I don't recognize. I really care about my credit, and I am very upset that they are not trying to help me resolve this mess that the thief has put me into. Also, the representative I talked to was very disrespectful, rude and impatient. They need to fix this issue.
Consumer complaint received 2018-03-02
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. (FL)

XXXX and equifax have lowered my credit score for no reason, AND ITS ERRORS, I have my credit card since XX/XX/2017 and have never missed a payment, and account always said ''good standing '', my score was a XXXX in XX/XX/2017 and went down to a XXXX, it should have gone up, so whats the problem i ask, why did they lower my score, since then i closed the account over 2 weeks ago and its showing a XXXX balance IS TOTALLY WRONG, THAT WAS A SECURED CREDIT CARD [ my money ], AND THE BANK SENT ME A CHECK FOR XXXX CENTS AND CLOSED THE ACCOUNT UPON MY REQUEST, NOW I WANT MY CREDIT SCORE RESTORED TO WHERE IT WAS BEFORE, this is total XXXX with major fraud, see pics of proof,
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

An account from XXXX XXXX XXXX  reported on my credit report without my knowledge from the credit bureaus. This ground for removal they also violated my rights under 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
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NC)

Purchased my home in XXXX, NC, XXXX and had the homeowners insurance coverage adequate for underwriting and it closed. My mortgage was sold to Dovenmuehle in or around XX/XX/XXXX. On XX/XX/XXXX. I receive a letter stating that we dont have adequate hazard insurance coverage and to immediately get this to them or will face lender forced insurance. We immediately did our due diligence and purchased a policy with XXXX that is {$2300.00} and includes Hazard ins. compared to previous homeowners of around {$800.00} a year, and submitted the required insurance declaration on XX/XX/XXXX, and XX/XX/XXXX. insurance was effective XX/XX/XXXX. We were sent three letters since then denying that it shows proper hazard coverage, had to call on XX/XX/XXXX and they miraculously noted it was faxed and verified we were covered. Today on XX/XX/XXXX receive a protected email from customer service @ Dovenmuehle stating they are going to charge me their personal hazard insurance from the closing date of XX/XX/XXXX until this new policy became effective. I have never missed a payment or lapsed on insurance. We were covered by the lender standards originally XXXX above the purchase price, it approved from the underwriter and clear to close, dovenmuehle was not the original lender, and I wasnt informed of required hazard insurance until they mailed me the letter in XX/XX/XXXX. I'm wanting to know what can we do to prevent this backdated forced lender insurance, and possible kickbacks.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2019-12-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C. (AZ)

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX XXXX GURSTEL LAW FIRM P.C. Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g. 

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
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. (NJ)

Under 15 U.S Code 1681B- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 
I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter Concerning the account listed below as a consumer, I am demanding a deletion of these accounts listed below :
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I don't have specific dates but on multiple occasions i would have to call into the call center and speak with customer service followed by a supervisor who would " Help me out this 1 time '' as they would say never knowing that i was in default.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (VA)

I received a letter in the mail saying I was gone be receiving a check to address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and I haven't received it
Consumer complaint received 2022-12-19
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. (MI)

I have 2 credit cards that I had settlements with I paid both of the settlements off in XXXX of this year ( 2022 ) the XXXX XXXX XXXX still shows a balance & the XXXX XXXX XXXX also shows a balance I've submitted to the credit reporting companies a lot of times & nothing is changed
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (MI)

I have 2 credit cards that I had settlements with I paid both of the settlements off in XXXX of this year ( 2022 ) the XXXX XXXX XXXX still shows a balance & the XXXX XXXXXXXX XXXX also shows a balance I've submitted to the credit reporting companies a lot of times & nothing is changed
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: World Omni Financial Corp. (GA)

XXXX XXXX XXXX XXXX XXXX Car Dealer ) and World Omni Financial Corp ( Finance Company ) opened a car loan using my personal information. I had no knowledge nor did I authorized XXXX XXXX XXXXf XXXX, Omni Financial Corp or anyone else to use my personal information to attain credit. The the loan was open XX/XX/2017, in the amount of {$25000.00}. I have contacted both XXXX XXXX XXXX   XXXX and Omni Financial Corp. I have explained the issue to both companies numerous times " That I didn't sign for a vehicle or a car loan ''. I have filed a police report with two different police departments. I have disputed this account two times with all three ( 3 ) Credit Bureaus. XXXX  reinstated my credit score back to XXXX, but XXXX XXXX and XXXX continue to allow my credit to take hits and fall. I have also went on line and file an identity theft report. I have emailed a copy of the police reports, identity theft report and copies of the loan paper to World Omni Financial Corp . I have asked World Omni Financial Corp to investigate this issue and stop reporting bad information to the credit bureaus.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Around XX/XX/XXXX there was a mix up in my checking account, resulting in an NSF for our mortgage payment to NewRez XXXX XXXX. Again in XXXX, as we were trying to sort out the checking account mix-up, there was a XXXX NSF. As a result of this, NewRez revoked our XXXX accessibility and told us that we would be able to set it up again after 6 months of on-time payments. We completed/fulfilled this. On XX/XX/XXXX I reached out to XXXX  to request the ability to setup XXXX  again online. They responded on XX/XX/XXXX that the XXXX XXXX had been removed and I could establish XXXX again online. After trying a few times in XXXX, I gave up and manually made the payment for XXXX. On XX/XX/XXXX, I again attempted to setup ACH, however, it still indicates there is a block. I sent another message that day. However, a few days later I received no response and still dont have the ability to set up XXXX. I again sent another message on XX/XX/XXXX, however, I have still not received a response from them regarding this issue. NewRez has made it extraordinary difficult to make payments online, pay fees associated with the NSF/late fees, in a way that I feel is predatory in nature. As it stands now, Im still not able to establish XXXX, even though I was told a month ago this was unblocked for me and I have not received any responses to my follow-up messages. 

I then filed a complaint with CFPB on XX/XX/XXXX regarding this situation. I received a response on XX/XX/XXXX, indicating that they have " Restored access to enrollment in automatic recurring payment plan. '' After making my XXXX payment on time, I logged in to the website today, XX/XX/XXXX to setup automatic draft payments. However, the website still gives me this message : " We are sorry, but we are unable to accept recurring payments from you at this time. '' This is extremely frustrating that the company on multiple occasions has said that they have restored automatic drafts but not in fact done so. I would like to see this escalated back to NewRez and have a supervisor that can handle this take a look at the issue.
Consumer complaint received 2019-11-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc. (NH)

Caliber Home Loans repeatedly calls my Cell Phone for a Debt XXXX XXXX from NJ owes due to being delinquent on home loans. I have been assured on three occasions that the number has been removed and they continue to harass me. The calls have been going on for 2-3 years despite repeated attempts to convince them it is not my loan. 

Today, XX/XX/2019 I received a call from the XXXX XXXX in regards to the loan after being contracted by Caliber Home Loans. I spoke to XXXX XXXX who I asked to remove me from their list. 

Caliber Home Loans XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (NV)

Was a part of the Equifax Breech and all info exposed once again. Between Equifax and XXXX what a joke. The offer was a year of free credit monotoring. Thats all that was given in return of the breech. So use it and not a month after sign up then it is XXXX a month to monitor credit. What in the world. So all info exposed and then have to pay to watch it get exposed again with XXXX XXXX. Hmmmm something stinks! Havent recieved any compensation yet from lawsuit and know that its been settled. This company is a joke
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

Jefferson Capital Systems , LLC at XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of { {$1600.00} }. The Collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION ()

We are XXXX that located in XXXX. We was cheated by impersonator company name XXXX XXXX XXXX that XXXX deposit but never send the goods. They use impersonate account under the mame XXXX XXXX XXXX to get our deposit but didnt send the good for us. 
After signing contract, XX/XX/XXXX we sent Deposit ( XXXX USD ) to : Bank Name : TRUIST BANK Bank code : XXXX Bank Add : XXXX XXXX XXXX XXXX, XXXX, XXXX, NC, XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX As in contracted mention and XXXX XXXX committed that it just take XXXX working days for loading such small order like ours but I kept asking him for updating information but he didnt update us loading plan or situation. Just told us export team is working on that. XXXX working days passed already, since XX/XX/XXXX we didn't received his response anymore. Even we make so many calls, send him many massages and mail. But he didn't response at all. Yesterday ( XX/XX/XXXX ) we required him to pay back deposit both via mail and whatsapp because he beached the contract but still have no response. 

We sent some people to XXXX XXXXXXXX XXXX XXXX and that company said the contracted and account bank is impersonator account. The scammer used their name to create an account in your bank to make fraud businesses. We also have mail to prove that. 

Then after that we contact Truist Bank to show the proof that that amount is impersonate account, and it is held by scammer, then we ask for refund this deposit ( even if it is real business, the contract was breached ) but the bank didnt accept that. 

We have mail loop about transaction XXXX mail loop between our company with XXXX XXXX and TRUIST Bank. We can give it as a proof
Consumer complaint received 2022-11-23
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. (CA)

All three credit bureaus have previously responded that XXXX XXXX verified XXXX account NOT MINE I have seeked representation against reporting agencies as well XXXX XXXX for not providing documentation I own this account do to the damage and denial of purchasing a home this has created much damage not to say emotional damage in reguards CFPB in Know way enforced the frivolous response and or replied in regards this complaint has been going on for over 30 days ALSO PLEASE REFER TO XXXX XXXX AS WELL I have provided court documents stating This is no longer my account CFPB as well XXXX XXXX Is in violation of the reporting act and all avenues have been exhausted to the matter to file suit
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 (OK)

i am always geting multiple charges for same items or sometimes subscriptions mostly XXXX for XXXX, XXXX, XXXX! Its happened more since XXXX XXXX. 
ive been XXXX all access customer for seversl years approx since XXXX which is through Wells Fargo! the overdraft charges of XXXX dollars is also rediculious most troubling when its chatged for purchases under XXXX $ in which in policy is states no overfraft charge nor pentaty for signed charges under XXXX $!!!
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

last year XX/XX/ i saw an advertisment from wells fargo bank advertising if you open a checking account and have qualifying direct deposit totaling {$1000.00} before XXXX XXXX you will receive {$200.00} bonus. I never receive the {$200.00} but it shows that i did in my transaction history. I reached out to wells fargo they were supposed to put in a dispute claim with information i shared to them. Also my checking account is now closed because of late fees for a overdraft they said that was on my account. I filed a dispute on that transaction as well, at least i thought i did. When my account got closed it would not grant me assess to well fargo mobile app because the account was closed, so i can not give definitive answer as to how much the account was overdraft. 
# 1. I'm assuming the dispute was never put in because my account is closed. # 2. Even though i put in dispute if wells fargo would have properly filed the dispute for the missing bonus money or even had they given it to me, it would have covered whatever they are saying the overdraft amount was, my account would have still been open. If your able to check my transaction history from XXXX  of last year, you will see that there was well over a {$1000.00} worth of qualifying deposit. I hope this gets work out for everybody invovled. This is the second time wells fargo closed my account for something that was not my fault
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (WI)

I wrote letters to Experian over 2 months ago ( XX/XX/XXXX ) advising them that they were in violation of my HIPPA rights regarding reporting the following amount on my credit report since XXXX of XXXX : {$290.00} / XXXX XXXX XXXX XXXX XXXX 

In addition, by law medical bills under {$500.00} should not be reported on credit reports. 

Experian has also failed to adjust/increase my credit score properly following the removal of items from my report within the last 30 days ; whereas the other 2 bureaus have removed the same items and adjusted correctly 15 plus points and Experian only 3-5 points. 
They have not replied to me or removed items from my credit report
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CT)

I had a Torrid Store card with a limit of {$250.00}. I purchased some items and began paying the monthly charge every month on time. I paid off the card to XXXX, did not use it for 3 months, tried to use it and realized that my account was closed by Commenity. This not only damages my credit due to a closed card but lowers my available credit on my credit report. I reached out to the company and was offered no resolve.