davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
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. (TX)

The accounts below were supposed to be removed from credit report. 

OTHER LOANS EDUCATIONAL XXXX Reported : XXXX XXXX, XXXX {$3100.00} Closed EDUCATIONAL XXXX Reported : XXXX XXXX, XXXX Closed This collection account is not mines and i have disputed this with the company as well as disputed with the State Attorney General. 

XXXX XXXX XXXX {$31000.00} Reported : XXXX XXXX, XXXX Hard Inquiries XXXX XXXX-XXXX   XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX   XXXX 2 Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX, XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX  XXXX, XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX   XXXX  XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX  - INDIRECT Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX, XXXX XXXX : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Submitted loan application for a second home on XX/XX/XXXX. An interest rate of 3.375 /  20 % down / 30 year fixed was locked in XXXX XX/XX/XXXX received questions on it being a second home vs. an Investment Property. Sent Letter of Explanation of property being a second home. Between XX/XX/XXXX to XX/XX/XXXX. Multiple needs lists were sent ( nothing to do with it being an Investment Property vs. Second Home ). I was communicated to multiple times that a conditional approval was coming. The appraisal was completed on the property by a BofA Appraiser. I was requested to have my CPA draft a letter allowing the use of business funds for downpayment. I paid my CPA to have that letter drafted. I then spent 20-30 + hours of work on putting together all of their needs requests and completing all the items requested. 

On XX/XX/XXXX. I received another set of questions on the home being a second home vs. an investment property. This is home is a second home and being rented for short terms rentals to the published guidelines of Bank of America. I drafted a very long letter and included our history with the city of this area. On XX/XX/XXXX I received a call from the Loan Officer stating that the underwriter will not write this as a Second Home and I would be required to submit it as an investment property at a mortgage rate of 4.75 % and 25 % down. This is two days prior to when we were supposed to close escrow and over six weeks after starting application. This put me at significant risk to fall out of escrow. Two days later I received an email that BofA would write this as a Second Home ; I asked for the conditional approval with any final needs list and never received a response. 

I had to quickly get new applications in to other banks. I ran two other banks through this process. Both banks were able to take me from application to conditional approval ( just needing the appraisal ) within one week. Something I spent over six weeks working on with BofA. Both were able to get me the conditional approval before the appraisal was started. They both were able to do the loan as a Second Home. Due to the rush of having to get this application through and the mortgage increasing. I ended up with a 3.9 % rate. I knew the rates were going to go up ; which is why I wanted to lock my rate back in XXXX of XXXX. Your best rates are always on the purchase. I have lost the best rate advantage having to refinance later when rates are lower.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (PA)

This item WELLS FARGO is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX  Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaint.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I have advised the collection agency this account doesn't belong to me several times via mail. In addition, I have made multiple request for documentation to validate the debt ; as I have never had a contract account with XXXX XXXX XXXX XXXX. To date the collection agency has failed to supply a contract or any documentation to validate this account.
Consumer complaint received 2023-02-05
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. (FL)

I have recently submitted a new dispute with TransUnion and they continuously send stall tactic letters stating they feel my dispute is coming from a credit repair company ; therefore, they are refusing to further investigate my submitted disputes. I was under the impression that the consumer reporting agencies were only allowed to send 1 of these type letters to consumers? This is my 20th letter from Transunion. I am asking the CFPB to investigate this matter ASAP!
Consumer complaint received 2023-03-09
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. (MI)

These accounts in collections are reflecting items that were initiated from an Equifax data breach and I don't have any knowledge of these negative accounts or balances. This account is under litigation and would like these deleted and removed immediately. XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

South west credit system from the phone # XXXX ( XXXX ) XXXX has started calling me and asking my personal information without providing me any information whom they calling to, about what, and who they are. For obvious reasons I have denied provide them any information and advised that they can lookup public records for information they looking for. I have strongly believe that they either a scam or trying to collect a scam as I dont own any debt that Ive know about, not I have received any pas due date bill from anyone. I have advised them that their cold calling calls asking for personal information has a harassment nature.
Consumer complaint received 2024-05-12
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: EQUIFAX, INC. (TN)

XX/XX/year> I tried to remove hard inquiries off my credit report with Equifax I quoted the law & they did nothing they didnt remove them at all. 15 US CODE 1028A!!!!!!
Consumer complaint received 2019-12-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Roycroft Management (FL)

Two men have repeatedly called my cell phone, XXXX, work, XXXX, my spouse, XXXX, and my mother, XXXX, stating they must serve me with with court papers. The first man would not tell me who the sender was, but was polite. I initially thought it was related to my job, as I am often called to testify and served with subpoenas. Therefore, I confirmed my address and told him I would be home between XXXX and XXXX on XX/XX/XXXX. However, no one arrived. Today, I received numerous calls to my personal cell phone and my business line, which were noted as a " spam risk '' on the display. I repeatedly rejected them, but after 4 attempts I answered. A ruds man yelled at me and announced my social security number and DOB. He stated I should be ashamed that at XXXX years of age he had to " hunt me down ''. He refused to provide any information other than to state he was serving me with legal papers and I hung up. He left threatening messages on my spouse 's voicemail and my cell and business lines, stating he would have the last laugh because he was in charge, not me. In another message he stated he would escort me to work and embarrass me. Yet another message stated he would contact my employer and the last straw was a message on my spouse 's phone stating he will have to serve my " nice looking elderly mother ''. The man left a number to call XXXX and case number XXXX. The number provided is for a business called Central Mediation Services. I do not believe I owe anything to this debt collector.
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (FL)

The company LVNV funding LLC calls repeatedly. I disputed errors on my credit and this account was removed and later reinserted. I file a dispute again and again then its removed and then it on my credit again. The company calls over and over sometimes after XXXX XXXX call this morning claiming I refuse to pay could be sued. I feel helpless as a consumer. Even once an account is 7 years old the collection companies still call and pretend to be lawyers. LVNV Funding is the only company that does this. It causes extreme stress and I dont understand why a collection agency could treat people like this. I spoke with company explained I was unemployed and couldnt make and arrangements. The lady on the phone became very rude. This company calls sometimes 9 times a day. This cant be the way to take care of one credit card with finger hit. There were over 500.00 in fees. I dont know what else to do. I answer the call so they wont call all day but they do either way.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Money was taking off my card and I been waiting for this money for at least like 3 weeks someone told me I was getting the money back then I talked to someone again and they said Im not getting the money they took from me it was denied sent me a letter saying that my account will remain overdrawn and I opt out of overdrafts then 2 days later someone sent me another letter out saying they credited money into my account which I never received and I been calling everyday for days straight
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am really trying to get someone to help me. I have been trying to help my brother with college and I reached out to you e.11 before about things on my credit that is not mine. Can you please remove from my credit so my baby brother can start back school. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are several inquiries as well that are not mine 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 XXXXXXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

We a claim to USAA after contacting XXXX 's several times about defective flooring that we installed. We requested for our funds to be returned as we have to now buy new flooring as a result of the defective flooring, which USAA did in a provisional credit. In addition to contacting the bank, we also put in a XXXX  complaint on the company which then they responded and stated they will come to a resolution for us. They asked XXXX twice for extensions to make things right, a person came out to our home in XXXX and took pictures of the flooring and stated verbally as well that they can see the scratches, indentation and chipping in the flooring thru out and that was it. The last correspondence we received was on XX/XX/XXXX from XXXX 's stating again that they are trying to come to a resolution. We have been trying to get this resolved since XX/XX/XXXX. USAA then reversed the credit they gave us for the flooring charge on XX/XX/XXXX stating that due to an investigation there was no error made when I called in asking why after seeing our checking account. After speaking with 4 individuals, it was determined that there was in fact no investigation done and that they wanted me to send documentation in in addition to a statement about why the amount was different ( less than ) what we requested the credit for. They stated a letter was sent and I informed them that I did NOT receive a letter asking of any documentation and that in fact, when I first called the claim in, I proactively told them I wanted to send in documentation and gave a very long and detailed report for the claim to submit explaining why the amount was less than initial charged. We returned some boxes of flooring that we were already given a credit for and the remaining is what was used or the boxes that were defective due to being broken or chipped. This was explained in great detail and they can even review the call that was made. So they lied about the " investigation ''. I sent in the documentation and proof for the claim today and requested someone from management in the claims department to give us a call and to reverse the credit as XXXX has done NOTHING to resolve the issue.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

I would have funds iny account and an automatic payment would come out or the balance would change and I'd be over dawn and a day later I'd have overdraft fees or {$40.00}. They fixed it once but I just paid the fees after that. It happened about 5 times after that. I'm unsure of dates and amounts.
Consumer complaint received 2021-08-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I recently submitted a complaint to Wells Fargo bank and once again Wells Fargo did what Wells Fargo does best, they once again said that they will not be able to forgive my loan because I used the money from the equity line of credit a Wells Fargo Banker open on my behalf without my permission. This is the tactic Wells Fargo has used to increase its profits. As I explain in my previous complaint, back in XXXX I refinanced my house with Wells Fargo, after my refinance went through I received in the mail an approval for an equity line of credit, I confronted the bank about the situation and they told me that the equity line of credit was a product that came with the refinance, which later on I learned it was a complete lie. In order to open an equity line of credit I would have had to sign in front of a notary and I NEVER did that, in fact when the banker showed me the paperwork the signatures from the Equity Line of Credit did NOT match my signature from my refinance documents, the bankers forged my signatures, anyway, that is not the worst part, the worst part is that in XXXX there was a housing financial crisis, my family and I, as well as thousands of other American families where struggling to make their payments, that is when I decided to use the equity line of credit A wells Fargo employe had open for me without my content. 
I have told Wells Fargo on many occasions that I did, in fact, used the money, however, if the Equity line of credit wouldn't have been opened without my content I wouldn't have used it and wouldn't be in this situation today. 
When I've been to the Wells Fargo branch to make my complaints about this situation the bankers had confessed to me that yes in fact they were pressured by Wells Fargo to open a certain number of accounts on a daily basis in order for them to keep their jobs. 
Wells Fargo has admitted to its wrongdoing of opening the equity line of credit without my permission and they have sent me a {$50.00} check since XXXX I have paid Wells Fargo over {$90000.00} in interest I don't believe a {$50.00} check will do much. I am asking Wells Fargo to forgive my loan as I am a retired veteran that is truly struggling to make ends meet.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wilber and Associates, P.C. (MO)

This company calls me three to four times a day are very rude very aggressive have threatened to put liens on my home have threatened to take my driver 's license I was never given a fair day in court all of a sudden this company just starts calling me I have tried to make right with him they are just too aggressive this has been going on for months
Consumer complaint received 2019-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (WA)

All communication to and from the debt collector have been attached. I intitially received a letter from FIRST FINANCIAL ASSET MGMT, INC on XX/XX/2019 on an alleged debt that I owe for the amount of {$3000.00}. In response I sent a debt validation letter via certified mail on XX/XX/XXXX and the company received on XXXX XXXX company didn't respond until XX/XX/XXXX with a letter that included repair estimates for a car, nothing in the letter validates my legal obligation that I owe them.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (VA)

Upon creating a free credit report dot com account, I found a collection of {$880.00} from a company called Diversified Consultants. After contacting them they claimed it was a debt originally reported from XXXX. However I have never owned or used any service from XXXX in my entire life, I tried disputing it with Diversified Consultants as well as file a dispute used the freecreditreport process, which I think goes through XXXX. They said they verified the account as valid, but I swear to XXXX I never ever used or have ever had XXXX service that they claimed they are trying to collect on. 

{$880.00} is a significant amount, I have things that are legit in collections but this one is not legit. 

The time frame they are saying I had this service, I actually was on my x-boyfriends ( XXXX XXXX ) 's plan with XXXX. I am suspicious that one of my x-roomate previous to living with XXXX XXXX and being on his plan might have stole my identity, which is all I can think happened. But I never ever had XXXX service in the time frame they are claiming, nor ever in my life. I was on a XXXX Plan which should be proof enough, because why would I have two services ...

Diversified Consultants are showing date opened is XX/XX/2016 if that helps any. 

I feel like this is harrasment and is harming my credit score when it was not even me that opened said account, therefore I do not owe them money and it is not fair to make me pay for someone else to fix my credit report. It is not my bill. 

Is there anything you can do to help me out, I do not have a lot of money to hire a lawyer or anything like that, so it just sits there harming me. 

Thank You.