davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-07
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: WELLS FARGO & COMPANY (SC)

Wells Fargo breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER Wells Fargo MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { WELLS FARGO } { ac # XXXX } { Remove negative and late reporting information from all records from Wells Fargo HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, Wells Fargo is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number XXXX.
Consumer complaint received 2023-01-20
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-20
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: MIDFIRST BANK (CA)

MIDLAND MTG/MIDFIRST Account : XXXX has been paid and closed since 2015 but on my report, this is still showing that it is 30 days. How can this be? This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed IMMEDIATELY! 
MIDLAND MTG/MIDFIRST XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-01-20
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. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the company about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the accounts ASAP!!!. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (DE)

I had a home equity line of credit with Wells Fargo my loan number has changed several times and I have requested a copy of the letters that state when and why my loan number was changed. Wells Fargo keeps sending me bank statements and not the letters. I do not want the bank statements I want just the letters for each time my account number was changed and why it was changed. The loan has an expiration year of XXXX and Wells Fargo has insisted since XXXX that all information pertaining to this loan has been destroyed due to their merger with XXXX. Due to the documentation being destroyed Wells Fargo has caused me to file bankruptcy in order to save my home. I believed this loan was paid in full in XXXX and in XXXX I was contacted by Wells Fargo when I arrived home to find a sheriff 's sale notice on my door. Since XXXX I have repeatedly asked for any and all documentation pertaining to this loan only to be told it was destroyed. I have hired attorneys and even went to the Attorney Generals office for assistance where I was told to contact the institution. I have repeatedly requested the information that is why I turned to the Attorney General for help, only to be told contact the institution. A loan number on a home equity line of credit should not just change without the borrowers signature. All I am asking is for a copy of each letter every time my loan changed and when and why. Can someone please help me to get the information I need and also find out why all the records to my loan which they are making pay have been destroyed since the loan expires in XXXX
Consumer complaint received 2021-02-17
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. (GA)

I have disputed collection accounts multiple times from all three credit reporting agencies to include XXXX, Equidax, & XXXX. I have completed disputes as of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and today. I have also called and have been unable to speak to a representative over the phone. XXXX  has removed the incorrect reporting of collection agencies on my credit report ; however, Equifax and XXXX  has not. I have not been provided with a copy of any contracts or payment terms, agreement, and history with my signatures from any of these companies to include XXXX XXXX XXXX ( {$3300.00} ), XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX, XXXX. XXXX XXXX ( {$300.00} ), XXXX XXXX XXXX, and XXXX  ( {$1700.00} ).
Consumer complaint received 2021-02-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (SC)

Why is it that we have to pay for PMI, and ask for forbearance? 
If we pay PMI and are effected by COVID school closures and job losses go on forbearance, I feel that PMI should pay mortgage payments for those affected after or before forbearance, or refund mortgage payments? 
Is humiliating having to explain why you have it, and now that we need it Booyaw, stick it to the poor man
Consumer complaint received 2022-05-27
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-27
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-27
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. (OH)

There is a large number of inquiries on my report that do not belong to me and that I did not give consent for. I have contacted each company and they would not verify why my credit was ran. Most of these places are car dealerships, finance companies, and credit unions in which I did not authorize. I am sending a letter to the CEO 's of Transunion and XXXX next as I have not been able to get any results from representees. I have filed a complaint of identity theft with the FTC in which they gave me free credit monitoring since none of these accounts were opened. I attempted to file a police report, however, without the individual actually opening an account, they only took a written statement. Statement : XXXX which will be held on file if I notice anything come up on my credit report that is opened. 

Transunion : The follow inquiries are listed that I did not authorize : 1. XXXX  2. XXXX XXXX 3. XXXX 4. XXXX CA 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX  8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14. XXXX ( again ) 15. XXXX cred 16. XXXX XXXX 17. XXXX XXXX 18. XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX 24 . XXXX  25 XXXX XXXX 26. XXXX XXXX  XXXX  27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX 33. XXXX XXXX 34. XXXX XXXX XXXX : I did not authorize any of these inquires for any reason. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX & XXXX XXXX 8. XXXX 9. XXXX 10. XXXX  XXXX ( again ) 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX & XXXX XXXX 14. XXXX XXXX ( Again ) 15. XXXX XXXX Bank 16. XXXX XXXX 17. XXXX ( again ) 18. XXXX XXXX 19. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 23. XXXX XXXX 24. XXXX ( XX/XX/20 )
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was given written notice by Bank of America that my funds from a deposit drawn from another Bank of America account in the amount of {$1300.00} for a refund of my security deposit would be made available two business days after I made the deposit on XX/XX/2022. At the same time, I also deposited a state of California Covid 19 check to my account for {$1700.00}, which was put on a seven-day hold until XX/XX/2022. 

On the day I expected funds to be made available from the Bank of America, I was informed they were holding funds for a full week until XX/XX/2022. 

Per regulation CC, for checks drawn on an account held by your institution ( " on-us checks '' ) deposited, they must be made available on the first business day following the banking day of deposit ( " next-day availability '' ). The same also goes with government checks. ( State or local government checks deposited in person to one of your employees and into an account held by a payee of the check, if your institution is in the same state as the payor of the check. ) - I am a resident of California and my check was deposited into a California account. 

But even after stating regulation CC, it seemed apparent, the manager didn't know the details of what regulation CC was. I spoke to XXXX, employee number XXXX, a manager at Bank of America at a call center in West Virginia.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (HI)

A company by the name of convergent outsourcing Inc . Contacted me via postal mail a few months ago saying that I owe them {$1000.00}. They claim it to be A debt from XXXX XXXX then in the very beginning of XX/XX/2020 I wrote to them asking them to validate this alleged debt. What What they sent in reply to my request by no means meets legal debt validation. All it is is a typed up document done on a computer with a list of transactions and the name and date on the top. This by no means validates this as being mine. if you do a XXXX search with my name well over 50 people come up in the US alone with the exact same name as me. So it could be anyone of those people that share the same name as I, that owe this alleged debt, but its not me that does! It scary how a debt collector can just randomly come after a person for a debt that they dont owe simply because they share the same name as the person who does. So if Im not mistaken I believe there are laws that protect consumers from this sort of thing, and thats why the debt collector has to validate with personal, identifiable information thats indisputable as to who the debt belongs to.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: ALLIANT CREDIT UNION (TN)

I have two disputes for charges with a company called XXXX, a XXXX based company. 

On XX/XX/22, I made a payment of {$200.00} to XXXX through XXXX. When the payment posted to my XXXX card with Alliant Credit Union, I was charged {$200.00}, a difference of {$4.00}. 

On XX/XX/22, I made a payment of {$76.00} to XXXX through XXXX. When the payment posted to my XXXX card with Alliant Credit Union, I was charged {$78.00}, a difference of {$1.00}. 

XXXX 's third party agency that handles their credit card disputes through XXXX, never contacted me about the investigations and never sent any letters with their decision or findings. When I contacted Alliant 's Credit Card department on XX/XX/22, I was told that they contacted Visa and XXXX said these overcharges included foreign transaction fees accessed by Visa. 

If that is true, then why was this fee included within the total of the purchase, when they are always separate fees with a description of " foreign transaction fee ''. I have never had a foreign transaction fee charged within the purchase fee with this credit card. The Alliant Credit Card rep confirmed that foreign fees are always a separate charge and said she could not explain why I was charged this fee within my purchase price. 

I need proof in writing other than " XXXX said so '' to show that these fees are legit and were charged correctly. I was told that XXXX can take my money and pretty much do what they want to do with it by the bank XXXX And that Visa can report these fees in whatever way they choose, even if its not clear or in writing to the consumer. 

If these charges are legit, I need something in writing proving this.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (MI)

On XX/XX/XXXX, I received an email from SoFi with the subject line " Important! Activate your newest benefits '' instructing me to upgrade my existing SoFi Money account to their new Checking and Savings option. As part of the email, a {$300.00} bonus for certain direct deposit requirements for " All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checking and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account. '' After the evaluation period, I did not receive my bonus so I contacted customer support. They stated that because I had set up direct deposit in my SoFi Money account in XXXX, I was not eligible, despite the terms clearly stating that an existing member who sets up direct deposit in Checking and Savings would be eligible, which I did. 

Customer service refused to provide the bonus despite me meeting the terms and their reason for disqualification being impossible due to the Checking and Savings product not existing in XXXX.
Consumer complaint received 2022-05-27
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. (GA)

ACCOUNTS Settled and paid in Full or to Agreed amount : XXXX XXXX : {$1800.00} - XXXX : {$17.00} XXXX : {$160.00} XXXX : {$970.00} XXXX : {$2000.00} Bank of XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX  XXXX : {$700.00} XXXX  XXXX : {$1000.00} XXXX XXXX : {$1500.00} XXXX XXXX XXXX {$23000.00} XXXX : {$420.00} XXXX : {$3100.00} XXXX : {$2900.00} XXXX : {$430.00} XXXX filed for Bankruptcy in XX/XX/XXXX. The XXXX was dismissed in XX/XX/XXXX. These accounts are in some cases over 7 years old and at least 5 years old. I have filed multiple disputes with all of the credit agencies- Equifax, XXXX and XXXX. Many account still show on my credit report as Collections/Deliquent or Part due. I have a payment agreement with XXXX XXXX - third party. I have paid XXXX and XXXX off fully. The other accounts were settled for lesser amounts. I would like my credit report to reflect the fact that I have been in XXXX for XXXX years in which many of the accounts were paid. The way it reflects now is impacting my ability to buy a house. I need to have these removed or at least updated to show as paid - not Collection or Deliquent or even Past Due.
Consumer complaint received 2019-12-13
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: Experian Information Solutions Inc. (LA)

I have a XXXX and XXXX with XXXX  and XXXX XXXX but a XXXX with experian. There was one collection account on their report that was paid off and has been removed through dispute. I called them and spoke to two people but nobody could tell me why my score is 70+ points lower than the other two companies. Doesnt make sense with all 3 having the same data.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

THIS ACCOUNT MUST BE REMOVED IN 4 DAYS. This account is not mine. Also, I never lived nor received emails in the address reported in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX