davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On around the XXXX XXXX I open a Wells Fargo Checking account and close it and Wells Fargo sent me a letter in XX/XX/XXXX that my checking account was left open. 

On XXXX XXXX I received a letter from Wells Fargo Home Mortgage that I have a home mortgage in which I never purchase any home or apply for any Home Loan with Wells Fargo. 

Wells Fargo used my identity for another person of names of XXXX XXXX and XXXX XXXX XXXX to use my identity to keep my old checking account open that I closed in XXXX 's, so they can obtain a Home Mortgage. 

I don't know this people and I don't have no Home Loan or Mortgage with Wells Fargo. 
Also my full name is XXXX XXXX XXXX, my last name has XXXX XXXX not a XXXX. 
Why did Wells Fargo sent me this letter with unknown strangers I don't know to my physical address and who are this people? 
This is a Scandal, Fraud and Corruptions of Wells Fargo. 
I am been Discriminated and Retaliated and my Identity and XXXX XXXX XXXX under Department of Justice has been violated. 

I have made contact with Wells Fargo back around the XXXX or XXXX on issues but Wells Fargo didn't handle the issues and allow the Fraud, Scandals and Corruptions and now on XX/XX/XXXX a letter sent to me stating to me the issues will be address. 

This is a Fraud, Scandal and Corruptions and Discrimination and Violations of my XXXX XXXX XXXX  under Department of Justice. 
Wells Fargo used a XXXX Wells Fargo Customer on their Scandals, Fraud and Corruptions. 
I am XXXX Lifetime and Retire. I retire from XXXX XXXX XXXX, Ca on XXXX XXXX on LIfetime XXXX.
Consumer complaint received 2022-12-29
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-04-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (OK)

On XX/XX/20 I applied on line for mortgage relief through CARES act. I applied 2 more times because I never received confirmation that my request was received. I called XX/XX/20 and was told that I would be notified by mail and that I would receive 6 months of mortgage relief ( no payments ) but at the end of the program would need to make arrangements to catch up payments with no interest or late fees ( balloon payment ). As I understood the program that process was distinctly discouraged and rather apply missed payments at the end of the loan ( 6 month loan extension ). What they are doing now doesnt necessarily help consumers because now I'm worried if I cant make up {$6000.00} worth of missed payments I will be foreclosed on ( stressed out ). Please let FLAGSTAR BANK know that their interpretation of the CARES act is inaccurate and they need to change their procedure regarding this program that is ment to help consumers.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

-My social was provided and i was awarded a XXXX in that transaction This mean I HAVE EVERY RIGHT TO OPT OUT Under 16 1681b I never gave you written consent to report anything dealing with my personal information you gave away my name street address and put me in great harm You also are defaming my character and ruining my reputation made it impossible for me to get a safe home to live in because of this image you are publicly reporting to the world. 

During the last complaint you acknowledged every violation and then went on to say that you are reporting accurate information this response is not valid enough to stand with my dispute because the reporting agencies Transunion XXXX and XXXX is not a govermented agency They also are in violation with this criminal activity because they are considered a third party company you mentioned you are doing business with a third party company and with my personal information WITHOUT ME KNOWING AND AGREEING. I will be sending over a invoice per violation if the removal of XXXX is not honored. 

Also you mentioned you are reporting accuarate information but the information is completely wrong across all three agencies because i checked on each report there is different info reporting cant be accuarate if Im seeing XXXX total different reports
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc. (AL)

I have had multiple calls from a company by the name of RGS Financial ( from a number listed as ( XXXX ) which I have missed. The location indicated is XXXX, AL. No messages were left on my voicemail. 
I attempted to return the phone call at the number listed. The immediate automated voice message says that it is in attempts to collect on debt. To my knowledge, I absolutely do not have any outstanding debts to anyone for any amount. I selected the option to speak to a person. They would not use my phone number to retrieve any information without me confirming my name, which I refused to do. I called again and selected the option to use the automated payment system. The Automated payment option was able to look up my account by the phone number from which I called from, but immediately asked for a credit card number, which of course I did not provide. I called again, selecting the option to speak to a person and asked for my account number or debt owed information to which again they denied me access to unless I would provide my name. I explained that the automated system did not ask for this information and was apparently able to identify me enough in order to be able to ask for my credit card information. This is either a scam or this company has terrible business practices putting American 's financial security at risk. Something needs to be done to shut this down or force them to comply with business practices that would protect consummers.
Consumer complaint received 2020-03-26
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XXXX XXXX, XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XXXX, XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (PA)

On XX/XX/2021 I sent a a letter in regards to inaccurate and unknown things on me credit report. Over 30 days later I have not received a response. Section 611 ( a ) states that failure to investigate these items within 30 days gives reasons to immediately to remove items those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-04-10
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. (TX)

My credit report shows a medical collections account that shows unpaid. I have paid this account ( in XX/XX/2019 ) and have a payment receipt. I have requested the collections co. ( XXXX XXXX XXXX remove this negative information multiple times and they say they have but it has not come off. So I filed a dispute with Equifax and they notified me today that the dispute is complete and the information was not removed. I have proof that I paid this.
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (TX)

I was alerted by my credit bureau of a derogatory entry on my XXXX  credit report for XXXX for a XXXX XXXX bill now known as XXXX from XX/XX/XXXX to XX/XX/XXXX. The collections company is the CBE group, I called the company but they could not verify any valuable information of help to me.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (MD)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (CA)

Yes I really need help my personal information was compromised as a result of that my Identity was used to apply for some kind of credit. I have multiple Inquiries on my credit report that are fraudulent. This not not my doing at all as a matter of fact the dates are like back to back applying for credit. Thank you for helping me resolve this matter. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 - XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX. XXXX, 2021 - XXXX XXXX 

XXXX XXXX, 2021 - XXXX
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-04-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (FL)

Hello, Please find the attached case, we have been victims for a business who takes advantage of contractors, have the job done and dispute the payments that was made according to the contract. Without proposing any clear reason, using the power of their attorney who used humiliation and threat as tools under the law to pretest there illegal act. 

We are desperate, American Express stood up for their customer and solved the dispute to their benefit. 

Attached is the detailed case, we filed a lien against the property, we need your help warning contractors from being used like we were. 

XXXX XXXX XXXX  XXXX % XXXX % XXXX % XXXX % XXXX You can mention my name,. XXXX XXXX, owner of XXXX XXXX. I can provide any extra proves required and speak to the media and public if required
Consumer complaint received 2020-04-10
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. (MD)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I used my Chase Debit card as a form of payment for a trip to XXXX through XXXX. On XX/XX/XXXX, I was informed the company went out of business and they are canceling all trips. XXXX will not be issuing refunds and to contact your bank. In my case my bank is Chase. I submitted my dispute with Chase with the reasoning being services not rendered. My first transaction on XX/XX/XXXX in the amount of {$60.00} was refunded. However I had two transactions one on XX/XX/XXXX in the amount of {$230.00} and a second transaction on XX/XX/XXXX for {$230.00} that Chase stated didnt qualify as disputable. I dont understand how I didnt receive the credit for these transactions when the merchant failed to provide a service and are not issuing credits and have since gone out of business
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

Venmo has no fraud department. My account was hacked in 2017 after a remote user sent along an unauthorized payment to both a contact and themselves.  I stopped payment via the private bank but Venmo held me liable for the funds $XXXX. The company gave no clear information on why my fraud claim was denied and did not even notify me of their findings. I notified the company in my original complaint that the payment was clearly fraudulent as I don’t even know the contact and the person who hacked my account made duplicate payments with duplicate texts (verbatim) which proves that it could not have been a pocket dial.Below is an email chain My email to Venmo: I disputed the charges with the banks right after I contacted You guys. I'm very worried about how this breach occurred....Your request (#XXXX) has been updated. To add additional comments, reply to this email.XXXX  (Venmo)XX/XX/XXXX, XXXX XXXX  CDTXXXX,Thank you for letting me know. After reviewing your account, it appears that these payments occurred using the same XXXX  you used to sign up for Venmo. Based on the nonsense payment notes, this activity looks to be an accidental "pocket payment," meaning that your device was unlocked and in a pocket, bag, or similar. Your bank rejected these payments, but Venmo credited the accidental recipients in these transactions. I will reach out to those paid so we can resolve the loss that was created due to this activity.Let me know if you have questions or additional information in the meantime.Best,XXXX XXXX.Venmo | Account Specialist
Consumer complaint received 2022-12-29
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. (AR)

This is XXXX XXXX and I am submitting this CFPB Complaint regarding the fraudulent accounts and information I found on my Credit File. Im submitting a complaint to you XXXX to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX {$0.00} 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 Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXR XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than XXXX XXXX XXXX after the date of receipt.
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Yes I really need help my personal information was compromised as a result of that my Identity was used to apply for some kind of credit. I have multiple Inquiries on my credit report that are fraudulent. This not not my doing at all as a matter of fact the dates are like back to back applying for credit. Thank you for helping me resolve this matter. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 - XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX. XXXX, 2021 - XXXX XXXX 

XXXX XXXX, 2021 - XXXX
Consumer complaint received 2022-12-29
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. (NY)

I submitted a letter to Transunion dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payment from this account : XXXX XXXX XXXX
Consumer complaint received 2020-04-10
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)

RE : XXXX XXXX - XXXX. 

Experian continues to report this account inaccurately on my credit report. 

1. This account was sold to XXXX XXXX XXXX ( collection agency ) 2. Next it was sold to XXXX XXXX XXXX ( Collection Agency ) This account has been sold to a collection agency you are no longer owed for this debt. The following specific fields on my credit report should read as follows : 1. Balance : {$0.00} 2.  Amount Past Due : {$0.00} 3. Account transfer to XXXX XXXX XXXX or XXXX XXXX Additionally, I have filed a complaint with the Attorney General for the State of Michigan and the Attorney General for the State of California.
Consumer complaint received 2020-04-10
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. (CA)

RE : XXXX XXXX - XXXX. 

TransUnion continues to report this account inaccurately on my credit report. 

1. This account was sold to XXXX XXXX XXXX ( collection agency ) 2. Next it was sold to XXXX XXXX XXXX ( Collection Agency ) This account has been sold to a collection agency you are no longer owed for this debt. The following specific fields on my credit report should read as follows : 1. Balance : {$0.00} 2. Amount Past Due : {$0.00} 3. Account transfer to XXXX XXXX XXXX or XXXX XXXX Additionally, I have filed a complaint with the Attorney General for the State of Michigan and the Attorney General for the State of California.
Consumer complaint received 2022-12-29
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. (NY)

I submitted a letter to Experian dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX, and I'm including it again. Please remove the late payment from this account : XXXX XXXX XXXX