davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
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. (MD)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In XXXX Wells Fargo had my mortgage. It was an Adjustable-rate mortgage. I tried 3 different times to refinance to a fixed rate and was turned down. Eventually leading to Well Fargo to foreclose and reprocess my home and land that I owned before getting the mortgage in XXXX. I was wondering if I was allegeable as part of the class action lawsuit against Wells Fargo? Since then I have moved several times and Wells Fargo doesnt have my current information.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This is 3rd time reaching out I am Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct, and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Hello Im missing {$500.00} atm didnt give me the money usually I wouldnt be upset things happen but on this date XXXX XX/XX/2022 I made atm withdraw at wellsfargo and atm never gave me the money it took it from my account Ive been on the phone with them about 15 times since then and nobody still can tell me when Im going to get my money its about to be 30 days as of tomorrow and I still havent gotten my money bank manager knew atm was messed up they never called it in they continued to let people try and use it at this point I just want my money back I have bills to pay and now behind and its because they did t do theres job if the manager would of called the atm in as having issues they would of marked it out if service
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On Thursday XX/XX/XXXX I deposited two pay checks from my employer to my BECU account. I had previously opened the account a week prior. This is relevant because this is their reasoning behind them withholding funds from my access. On Monday, XX/XX/XXXX, I called to inquire about the status of my deposit. However apon calling BECU I was greeted by an extremely rude employee who told me that they would not release my funds and that I was going to have to wait 5 more business days because my account was too new. In addition to this I was told that BECU had put a note on my account to hold the funds for as long as they could and there was no way for their staff to assist me with this.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I scheduled a payment to be sent out to my mortgage company on XX/XX/2023. For some reason it was sent to my previous mortgage servicing company, I called my current mortgage company, Select Portfolio Servicing Inc ( see attached ) in XXXX, they have told me it happened a lot in the past. They said they will get the money transferred from old mortgage company without any problem. A few months later they send me a letter stating that the old company ( XXXX Mortgage ) has closed and they could not obtain the cashed funds from XXXX Mortgage, I have to work with my bank, XXXX, to retrieve the fund. I talked to XXXX, they told me there is nothing they can do either. So what can I do now to retrieve {$5200.00} to pay for my mortgage? I think my money got stolen and no one willing to help this minority woman.
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 information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX and XXXX XXXX XXXX I owe for not turning in the equipment I had. XXXX are the ones who sent me the return label and box so they should have that tracking information on file. I dropped the box as it said too and I left because the place was busy so I dropped it off to be returned. XXXX should have that information on file to check to see if they got the phone. I should only owe for the last bill and that is it. EQUIPMENT WAS RETURNED. ONLY WAY IM PAYING THIS ... .IS IF THEY CAN GET THE EQUIPMENT ISSUE SITUATED AND THEY AGREE TO REMOVE FROM CREDIT REPORT.
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: EQUIFAX, INC. (GA)

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. 

Account Name : XXXXXXXX XXXX XXXX / Account number XXXX The account record listed above has violated my rights. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NC)

XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as XXXX days late.
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2022, XXXX  XXXX XXXX abruptly switched my XXXX credit card accounts to Comenity Bank, with their parent company being Bread Financial. New cards were alleged to have been sent on that date. Today, XX/XX/2022, I have not received the original cards that were said to have been sent, nor the " replacement '' cards the bank promised were sent on XX/XX/2022. Instead, over 2 dozen phone calls, emails, tweets to Bread Financial and Comenity have been met with failed explanations, nasty rude behavior by their CS agents, claims of call backs that don't come or come and leave me stuck calling back the trunk line. Now, I've received a hard copy statement for one account to my home, and an email statement as well, but no cards. This is happening to many but I need help please.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : States that a consumer report agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am disturbed that Experian, XXXX and XXXX continue to list the dismissed bankruptcy as confirmed within my credit files. Although it is your policy to keep reporting bankruptcies that are filed, dismissed, or adjudicated for XXXX years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

On multiple occasions I have addressed the wrong reporting that the company has sent over to Experian. There is no payment history which is missing since 2015 and also the company has sold several times and passed my information along while providing inaccurate information. Each time I am ignored and responded too late. I want this account deleted from my Experian account.
Consumer complaint received 2024-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC (CA)

In XX/XX/XXXX, FCR Services ( XXXX ) contacted me by letter about a debt collection. I sent certified mail back to FCR Services saying that I dispute the debt and requesting verification after which FCR Services stopped calling me and never provided verification. In XX/XX/XXXX, FCR Collections started calling me repeatedly about the same debt and re-sent a letter about the balance to me in XX/XX/XXXX. 
I still have not received verification of the debt so I consider this a violation of my rights under FDCPA to continue trying to collect the debt.
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

XXXX XXXX, XXXX Dovenmuehle Inc, fraudulently extorting me for additional monies, first they stated my real estate tax dobled ( not the fact ), after 7 months of XXXX they stated that my monthly payments on fixed mortgage increased as my home insurance is {$13.00} per year.I am not required ubdwr XXXX XXXX to carry insurance as my LTV is at 54 %.

Ongoing phone calls harrassement, intimidation, yelling at myself, etc, letters of imminent foreclosure and extortion for money they tried to defrauding me of.

Continue to the present day.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NV)

My discover home equity loan was refinanced by XXXX XXXX. XXXX XXXX  sent Discover Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to Discover. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by Discover. However, Discover reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

I'm apply for a sensitive public trust position with the XXXX government. On my credit report, it shows that I owe {$850.00} to XXXXMidland Funding , who obtained a judgment in XXXX district court for that amount. 

On XX/XX/2021, I called Midland and they said they have no record of that debt, and I called XXXX XXXX XXXX credit card services, who told me to contact XXXX, and XXXX told me to call Midland. 

On XX/XX/2021, I contacted the attorney of record on the judgment, and she instructed me to call the XXXX XXXX XXXX in XXXX XXXX, Michigan. XXXX told me to call Midland Credit and provide reference no, XXXX, and the last XXXX of the credit card was XXXX. 

On XX/XX/2021, I contacted Midland Funding and provided all the information and they still couldn't locate the debt. They couldn't locate the debt records, and told me that I am not obligated to pay on the account and a satisfaction will be recorded at the courthouse within XXXX days. I told them that fine, but I want a letter on Midland 's letterhead stating what they just old me. Midland said they are unable to do that. Midland would not forward the call or request to a supervisor to provide that letter. Midland 's number XXXX, XXXX, or XXXX. 

I can not wait thirty days. I'm undergoing a background investigation, and I want a letter indicating that I do not owe the debt and the court judgment will be satisfied so that I can present it to the federal investigator performing my background and clearance checks.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This account was paid and closed late XXXX they are still showing up and reporting a balance each month as of XXXX. Although the balance is XXXX I do not have an open account with XXXX  XXXX and they confirmed inside of the customer service center that it was closed in XXXX. I have disputed this also with Experian and they stated the information was correct. This reporting information is not true.
Consumer complaint received 2019-12-18
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. (MD)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-12-18
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: WAKEFIELD & ASSOCIATES, INC. (TN)

this is my report # XXXX I am disputing for the past 6 months a medical collections from a collections agency XXXX delete 3 accounts but make a re-insertion wihout any notification ( FCRA REQUEST A WRITTEN NOTIFICATION ) my dispute request a HIPPA AUTORIZATION FROM THE PROVIDER AND THE COLLECTION UNTIL TODAY all my attempt to fixes this issues was ignored
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (PA)

I called on XX/XX/XXXX  to open a fraud claim under the case XXXX, a few days later I received teh affidavity letter and noticed that the representative made a mistake and didnt include all the fraudulent transactions on the claim, so I sent a letter explaining the situation. 
Now the claim was denied and I can guess was because that mistake. The answer from the bank said that the card was present and with chip at the moment of the transactions, the chip can not be duplicated. 
I never been to XXXX XXXX and XXXX. 
My card was lost and I reported to the bank as soon I noticed on XX/XX/XXXX trought the online banking and proceeded to lock my card. 
I called the bank today XX/XX/XXXX, and after 1 hour 15 minutes talking was almost impossible to get a solution. My time is money, and I cant wast it in all of this inneficiencies and negligences.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CO)

On multiple occasions I have addressed the wrong reporting that the company has sent over to XXXX. There is no payment history which is missing since XXXX  and also the company has sold several times and passed my information along while providing inaccurate information. Each time I am ignored and responded too late. I want this account deleted from my XXXX account.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I requested the deletion of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to remove credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX 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 (CA)

They take more than 2 weeks to completely charge me with all my payments. And I when I ever go out the limit there is always a fee on my account. I see no dollars taken out at the moment I make my payment until like 2 weeks and they always leave me at a negative number.
Consumer complaint received 2023-01-22
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)

On XX/XX/XXXX I received a copy of my credit report to ensure all information is accurate and legitimate. I notice XXXX XXXX is reporting false and inaccurate information to XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, and Experian XXXX XXXX XXXX XXXX, Texas XXXX XXXX 

The information they are reporting is inaccurate and a violation of HIPPA privacy. 
XXXX XXXX account # XXXX, XXXX, XXXX XXXX are DUPLICATED on the Credit Reporting Agencies Someone else personal medical information is online with the above companies. I am asking this matter be investigated and validated. According to federal law 15 USC 1681 s-2 ( 9 ) this is a violation of my right. 

This account was part of a I.D . theft claim that I previously reported, this is a violation of reinsertion requirements due to the Credit Reporting Agencies having allowed it back on the credit report. They have violated 15U.S. code 1681i Also XXXX continue to report XXXX XXXX Account # XXXX on my credit report.
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: EQUIFAX, INC. (CA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was completed and accurate. 

I waited XXXX  days and received my investigation and notice everything was still the same. 
The consumer reporting agencies which is Equifax, XXXX, XXXX, did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still have not received anything back from each burea.