davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Financial Guardian, Inc. (CA)

As of XX/XX/XXXX when I was living at XXXX XXXX XXXX XXXX # XXXX. The owner at the time XXXX XXXX XXXX decided to not to collect my rent. I was paying the rent late and informed them in writing that I will be late. When I then had the rent along with the late fee XXXX XXXX decided not to collect the rent and decided to pursue the eviction process. At the time I was a section 8 tenant so I couldnt get up and move quickly. There is a moving process with all section 8 tenants. I went thru the court proceedings with XXXX XXXX and I eventually moved out in XXXX XXXX XXXX. I turned over the keys to the unit as well. As stated from the judge that all information to this case is sealed and no judgements should not go against me until final court date which is in XX/XX/XXXX. As of today I am still in court proceedings with XXXX XXXX. But I notice that XXXX XXXX which is now XXXX XXXX XXXX is reporting to XXXX that I owe XXXX. It's been reported as a collection debt that I owe to a apartment management. Which is not true because we haven't resolved anything til our next court date which is XX/XX/XXXX. All information being reported is inaccurate and I disputed it numerous times with XXXX but nothing has not changed.
Consumer complaint received 2018-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sold an item to a person through facebook page and he promised to transfer the money ( {$150.00} ) to  my Bank of America ( BOFA ) account. 
He sent me a screenshot of BOFA transfer where it says " your transfer is kept on hold for security reasons ''. I am attaching that screenshot here. 
He called BOFA and raised a claim on my account for {$1000.00} and {$1300.00}. He asked me for 6 digit code I received on my mobile so BOFA can release the funds. 
He told me that he transferred {$1000.00} and {$1300.00} by mistake instead of {$150.00} and asked me to transfer the remaining amount back. 
I did transfer the money to him through BOFA and it reached him. 
Next day, the claims which he raised on my behalf are cancelled as they are false. 
Finally I end up losing {$2300.00} to a fraudster.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type XXXX XXXX XXXX XXXX  Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$7700.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7700.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7000.00} from XX/XX/XXXX to XX/XX/XXXX I explained to the company I'm XXXX XXXX and was station in XXXX XX/XX/XXXX XXXX XX/XX/XXXX and I did not open this account. Company stated they don't have any account in my name, yet they are reporting it on my credit.
Consumer complaint received 2023-08-16
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. (GA)

In XX/XX/XXXX I started reviewing my credit reports from the following bureaus XXXX, Equifax, and XXXX. As I began going through my report I notice a good amount of discrepancies on my credit report. As I began to get some of the items corrected and removed from my report, I notice that some inquiries were made that I did not authorized. These unauthorized inquiries are causing my credit score to be affected. 

The inquiries that I am referring to are XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX
Consumer complaint received 2022-07-09
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. (VA)

XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type XXXX XXXX XXXX XXXX Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$7700.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7700.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7000.00} from XX/XX/XXXX to XX/XX/XXXX I explained to the company I'm XXXX XXXX and was station in XXXX XX/XX/XXXX XXXX XX/XX/XXXX and I did not open this account. Company stated they don't have any account in my name, yet they are reporting it on my credit.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NE)

We did the Covid loan forbearance for a year. A month before it was ending we started a loan modification with our mortgage company Wells Fargo. That was back in XXXX. They told us to apply for Nebraska XXXX help and weve been approved as of the first part of XXXX. We havent heard anything back from Wells Fargo after Ive made XXXX attempts to reach our mortgage preservationist who doesnt return my calls. We are falling further and further behind every month that they drag their feet. Today I went to deposit a check from my insurance company for the jail damage to our home. Wells Fargo will not deposit the check in my account so I can pay the XXXX they took the check instead and is placing it in an escrow so they can divvy the money out to the contractors as they see fit. They said they are doing this because we are behind in our mortgage payments. I didnt know they could or should do this its wrong. We are being penalized for being under the Covid forbearance which I didnt think they could do. The paper work they gave me basically instructions about the check and having the work done says in one paragraph that the money can not be used for anything except for repairs and restoration on our home and not for making up loan payments. The next paragraph says the money can be used to pay off our mortgage if it was a sufficient amount to do so or combined with other monies to pay off the loan that was ok. They say it cant be used for anything else then they turn around and say we can use it to pay off our mortgage. WHICH IS IT?!! I feel we are being punished for taking the loan forbearance which says we wouldnt be penalized for doing so. Im not a child I can manage the repair money and pay my contractors myself. Wells Fargo is making me call them and request a draw on the money from them in order to pay the contractors. This is an insult to me Im XXXX XXXX XXXX
Consumer complaint received 2022-07-25
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 appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I am being scammed by a fake XXXX XXXX charge on my Costco Citi/Visa Card that shows up monthly, apparently through a digital wallet. I am not and have never been a member of XXXX XXXX, and I do not use a digital wallet. This is part of an elaborate scam. I closed my card down and the fraudulent digital wallet was able to update the new card information automatically, continuing to charge fake XXXX XXXX charges. 
My credit card company has refunded those charges and now after the third fraudulent payment finally cancelled the mobile wallet account. 
However, they refuse to tell me where this money is being transferred to. This is is information they have but they won't share. I would like to report the scammer to the police but I have no information other than the date of charge. It lists " XXXX XXXX '' and the XXXX website, but XXXX hasn't made this charge. Where is it going to? How are consumers supposed to find out? My complaint is that credit card companies do not release that information, allowing scammers to continue their work with impunity.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (PA)

Had global client services to repair credit and pay for debts. Was never sent paperwork. Paid several accounts off. Had hidden fees I wasnt aware of. Was paying XXXX a month to fix debts. Sold stock, to pay off debt. Debt that is still on the credit reports as bad debt not paid off. Paid this for over a year.. Never got paperwork to substantiate who got paid and who didnt.
Consumer complaint received 2018-08-25
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 disputed this alleged student loan account. I've previously requested to see a copy of original documents with my signature for this loan. I didn't receive the documents in 30 days any of the three credit bureaus. As I further investigated all three credit reports. I noticed the creditor reported different account balances for this account.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-07-09
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)

n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2018-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit reporting agencies refuse to correct unauthorized hard inquiries and keep them in your file for up to three years. They also use your own inquiry into your own credit to lower your score and use that power in a bullying fashion. The credit agencies are arms of the bank abd utilized for that purpose only. They dont work any other way around. So the consumer has no way to really fight for equity or correct a wrong. And with a federal agency which has no teeth, these agencies act with complete impunity. Further, it takes several attempts to contact these credit agencies. Their listed numbers take you down a two option menu so if youre trying to do a more complex investigation, it cuts you off. They cut you off at whim. The whole system is a scam designed to XXXX the consumer without any dignity or humanity in favor of the bank. No customer service. Just bank protection against consumer rights.
Consumer complaint received 2023-02-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Synovus Bank (SC)

On XXXX XXXX, 2023 at around XXXX EST I sent a wire for {$610.00} at my Synovous Branch in XXXX XXXX SC XXXX Branch # XXXX and User ID # XXXX ). The wire was being sent to XXXX XXXX XXXX in XXXX, GA. 

When filling out the wire order, the bank employee put the information for the receiving bank branch in the section for the " XXXX '' and omitted the details of the actually beneficiary other than the routing and account numbers. 

Due to this error, XXXX XXXX XXXX returned the wire and no information was included about the account holder 's name or contact information. This information was provided in writing to the bank employee. Furthermore, both Synovous and XXXX XXXX XXXX charged fees so that I lost {$81.00} and the wire was not sent. This error also caused me to incur a {$100.00} late fee for the payment I was making with this wire. 

XXXX XXXX XXXX only returned {$570.00} of the {$61000.00} amount, so in my opinion, both banks have acted inappropriately.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXXXXXX & Account # XXXX XXXX have 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 a account without my written instructions.
Consumer complaint received 2019-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (WA)

Past Story : We get a discount on our property taxes. Each year we go in for review. XX/XX/XXXX review showed we had to pay more, there was an adjustment for XX/XX/XXXX & XX/XX/XXXX. XXXX/XXXX # XXXX were sen adjustment bills. They were late in paying, interest & penalties were added, but they did make some payments. There was a balance due by XX/XX/XXXX or more interest & penalties would be added, as of XX/XX/XXXX that balance has not been paid. Our prop tax account reads in big red letters : DELINQUENT STATUS. I have contacted them by phone & email several times. They told me my taxes would be paid when due, I told them they are past due, they would not give me a date when they would be paid. For me not to worry I would not be responsible for any of those interest & penalties. So far the payments made include interest & penalties taken out of my escrow account. XXXX XXXX at XXXX Co Assessors Office has called them and sent paperwork trying to get payment. There are 2 attachments. I have not checked out credit report, this better not be on there as delinquent. 
I also want to add that they are late, many times, paying our homeowners insurance which is thru Foremost.
Consumer complaint received 2018-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted commonwealth is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform Commonwealth that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2022-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (CT)

Note that with last complaint submitted earlier today, I forgot to upload the primary document with essential information. It's enclosed herein. 


Today XX/XX/2022 at XXXX PM I got a call from American Financial Network from XXXX and was told that I needed to call them and upon pressing buttons, I got t a live person who promptly hung up on me after saying " ha ha your going to lose your house ''. Upon calling back after hangup at XXXX PM, a worker for American Financial Network said " XXXX XXXX when you lose your house and are on street with wife will she stay with you ha ha ha. '' I have enclosed completely contradictory letters produced by American Financial Network in the attachment section of this complaint. This cements what the audio phone records show and what I have been saying during original complaint and followup. American Financial Network violates all rules and constantly gives me inconsistent, misleading, and contradictory information. There dishonesty and deception is exemplified by their complete lack of transparency and deceptive practices as outlined with the following. American Financial Network asks me to give them information on loans that they had or have with me and when I said that I didn't have anything that they didn't they would be deceptive and not speak to me or work with me honestly and transparently to try and clarify. The loan needs to be dissolved to zero balance because American Financial Network has continually changed requests, terms, and has constantly given me contradictory and misleading information. They have also been predatory and recently had someone from their associate XXXX XXXX XXXX come to my house and demand that I give them {$5000.00} cash in order to keep my house and avoid foreclosure. XXXX XXXX XXXXXXXX and American Financial Network should be stripped of their rights to lend and sell on the secondary market. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Inactive modal What would be a fair resolution to this issue? 

At a minimum the mortgage should go into a loan modification, which is an option for borrowers under the covid regulations passed with banking and lending institutions. This should be done immediately as I am working with Federal regulators and the courts to have the mortgage rightfully dissolved to a zero balance in accordance to Federal guidelines. This would be a good start for giving the incentive to American Financial Network and XXXX XXXX  services for avoiding the total loss of their lending rights and rights to sell mortgages on the secondary mortgage market.