davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX Date Opened XX/XX/2022 Balance : {$170.00}
Consumer complaint received 2022-10-06
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I took Wells Fargo to small claims court on XX/XX/XXXX for violating the rules about a claim I made using my Wells Fargo VISA debit card and won. The judge entered his ruling on XX/XX/XXXX saying that Wells Fargo had 30 days to pay me but has not done so. I am owed {$9300.00}. 

I took Wells Fargo to small claims court in XX/XX/XXXX and also won and had this exact same issue where they did not pay me within the 30 days I I had to write to the Consumer Financial Protection Bureau in order for them to finally pay me what I was owed, so this seems to be a pattern with Wells Fargo and I wonder if other consumers are complaining about this.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (PA)

The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXX and should be removed from my credit report within 7 years, however,  because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.
Consumer complaint received 2022-10-06
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. (TX)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

I believe that the Consumer Protection financial Bureau has not service the purpose that it was created for. Under this present President I don't see where they have help to resolve any issues. I have had issue with Well Fargo Home Mortgage, and Well Fargo Bank for the last ten years. This banking institution has not been great with the Afro-American community. In the last few weeks we have suffer discriminate in the Police Department, and Had a XXXX man executed in broad day-light by the people we pay taxes too, and on the door of their police car their is a sign that says " Server and Protect '' what a joke!!!! that the same feeling I have about Well Fargo Bank. This Institution is suppose to assist their customers in a professional matter, but when I look at the overall services that I have receive over the XXXX years that I have been with Wells Fargo Bank. I would definitely inform any person of " XXXX '' not to do business with Wells Fargo Home Mortgage or Well Fargo Bank, N.A. I have taken a look at my mortgage payment 's form and notice that I am paying more interest then principal. How can I be paying more interest then principal, after being with them for more then fourteen years. On top of that the interest rate at this time is " XXXX '' with the federal reserve, and I have an adjustable loan at this time. I don't trust Wells Fargo Bank, and I can not not wait to make a move to another loan institution, so, that I can get away from this illegal institution ( Wells Fargo Bank ) I am XXXX years in this world, and if any " XXXX '' person hears this message please don't do business with this particular banking Institution. They are dishonest, and They do not mind discriminating against the " XXXX '' community.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX i was download a music video online, a sudden pop up with a # to call keeps on flashing on my laptop freezing my computer. call this # asap so i wont loose my info before the computer crash. XXXX help line XXXX when i call an agent answer gave me his ID # XXXX XXXX including his name XXXX XXXX XXXX he said my computer and my phone was hack, to call my bank and freeze my accounts. call me back when finish with the bank. when i call the bank to close my account, he told me i had XXXX withdrawal from my savings. from that point on i lost it. his name was XXXX XXXX his secured # to reach is XXXX don't worry he'll help to recover my money. that's how the wire scams started, tells you to keep it secret don't answer any question at the branch because they may be involved.that 's how i end up wire transfer XXXX to them. after, reporting to chase bank fraud claims. after 11 days into their investigation they told me, my case was denied because i initially wire the transfer. just like that $ XXXX gone.
Consumer complaint received 2022-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (TX)

I have contacted ; XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Mississippi, they are reporting a debt that I have not agreed to enter by contract or written consent, and they are reporting this information to the bureaus, it is hurting me greatly. There is no privity and no signed contract or agreement between me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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. (LA)

I am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Bureaus going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. The Account XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00} has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the derogatory status since they have already been paid for. Please investigate these illogical statuses and provide me with the date of the last activity for the account. REMOVE this account if unable to provide proper verification.
Consumer complaint received 2018-05-16
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. (SC)

I have been making on time payments to XXXX XXXX XXXX XXXX 's and they are not reporting to my credit report at all. The company has been saying that they are reporting to my credit file but it is not there.
Consumer complaint received 2023-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ATG Credit, LLC (CA)

ATG Credit contacted me in XX/XX/XXXX trying to collect a medical debt of {$5400.00}. This came as a shock to me and after doing some research, I do not believe this charge is valid. 

Over 4 years ago, in XXXX XXXX XXXX I received a XXXX XXXX while under the care of XXXX XXXX XXXX. XXXX XXXX XXXX was the lab that performed the test. It appears XXXX XXXX XXXX filed for bankruptcy in XX/XX/XXXX. XXXX claims they now own their debts, and that is why this bill has suddenly surfaced. 

I learned of the Fair Debt Collection Practices act and asked for evidence of ATG owning this debt and how their company got assigned the debt. They have not provided that information. I called ATG in XXXX XXXX XXXX to ask about where this debt came from and details of how it changed hands and my questions were met with hostility and eventually I was hung up on. 

When I spoke with my previous health insurance company, XXXX XXXX XXXX, about this claim they had different totals associated with the bill than what ATG is asking for. 

Furthermore, I asked XXXX XXXX office to review the bill that ATG sent and they said it is suspect based on what they know about what insurance usually covers ( for example, the labs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not covered and they are normally covered, even with minimal coding ; while tests for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were applied to my deductible, which is unusual. ) This suggests that this blood test was never properly billed to insurance and is factually incorrect. 

Lastly and perhaps most importantly, since it has been over 4 years since the date of service, I believe this medical charge is outside of the statute of limitations in the state of California.
Consumer complaint received 2022-10-06
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX  Account Number : XXXX.
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (PA)

Hunter Warfield Inc has a debt that was place by XXXX XXXX XXXX # XXXX in which XXXX XXXX is and in default for any amounts owed or due. XXXX XXXX did not show for court 2 times and the case that XXXX XXXX filed on me to go to court never showed up and the case was dismiss. My attorney also mailed XXXX XXXX a letter in which they never responded back to issues and I was not evicted and as the letter states owe any money to XXXX XXXX. XXXX XXXX received over 3 US Certified Mail that they did not respond back to in any way. If  the matter is not cleared up I'm filing a law suit on Hunter Warfield Inc & XXXX XXXX as to a debt that is fraud by Hunter Warfield Inc & XXXX XXXX as to they never came to court and the case was dismiss and they received a letter after court stating there was no money owed in any way. XXXX was also informed we could pursue going to court on other issues that there was pictures and the unit had mold and other issues that was verified by the insurance company that came in and access the property. The City Building inspections also came to the unit 3 times and XXXX XXXX played games with the city codes and inspections for not having a building permit as well as a list of things that they city building codes and inspections was on XXXX XXXX for 3 months before they obtained a building Permit for work they was doing. I'm giving finale notice to Hunter Warfield Inc that a law suit will be filed on them to the matter and for XXXX in default not coming to court and the case was dismiss as well as XXXXXXXX XXXX not answering the US Certified Mail that was mail to them 3 times with no response. the debt is not valid in any way by the courts or XXXX due to the case was dismiss and no reply back. 
And there is over 8 US Certified Mail going back to XX/XX/2015in regards to the matter as proof as well as XXXX XXXX XXXX XXXX XXXX reports and the issues the city had with XXXX XXXX as well as no reply by XXXX XXXX. 
Attach is court document as proof as letter that was sent out by my attorney with no reply from XXXX XXXX
Consumer complaint received 2024-03-05
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. (TN)

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found XXXX accounts under XXXX business on my credit report by the name of : XXXX XXXX opened XX/XX/2021. 

One account has an account number of XXXX Second account number is XXXX I have no knowledge of ever signing up for these accounts. The accounts were not opened by me at all. Please remove BOTH of these accounts from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Consumer complaint received 2022-10-06
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. (MO)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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
Consumer complaint received 2022-10-06
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. (PA)

XXXX XXXX XXXX Account # XXXX is reporting inaccurate payment history to the following credit bureaus Transunion and XXXX XXXX I have attached copies of my credit report from the two bureaus and highlighted the inaccuracy.
Consumer complaint received 2022-10-06
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2011 Balance : {$12000.00}
Consumer complaint received 2022-12-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I applied for a land loan with America First Credit Union and submitted all the requested documentation. Upon review of the documentation, they sent me a term sheet/loan estimate and notified me that the loan was approved contingent upon an appraisal that placed the XXXX at XXXX  % or less. In order to proceed to closing, they required me to pay a {$1000.00} non-refundable fee that accounted for the cost of the appraisal as well as some origination fees. The appraisal was received with a value that exceeded the expected market value and placed the XXXX at XXXX %. During the week of closing, America First emailed me explaining that they would require an additional guarantor or they would not close on the loan. Additionally, they stated they would change the loan terms based on the income of the additional guarantor. I did not send them nor did they request any additional financial information after the loan estimate was signed and the appraisal was completed and paid. There has been no change in financial circumstance that would warrant a change in the loan estimate after the {$1000.00} fee is paid. 

I have all of the communication from above in emails that I am able to forward over to you, if requested.
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America never completed my disputed charges that were not authorized by me. Giving me. No response after I completed a police report as instructed in order to continue my claim.. bank of america did not complete their invistigation and reversed everything out of my account about {$6000.00} additionally to the amounts that were disputed in a total of {$7000.00}. With both combined totaling about {$13000.00} allegeadely bank of america never proceeded with any further invistigations. which have not received any ccreditwhatsoever. Only credit I see in my account is for a refund after I canceled. A order for {$200.00} which still remains in my accounts along with XXXX credit from another payment which was made to me by XXXX but does not show the credit.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX opened XX/XX/2020. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (IL)

On XX/XX/year> I looked at my credit report to make sure that my payment history was exceptional and I noticed a lot of hard inquiries from all 3 bureaus on my report that I didnt authorize. So I called XXXX and to no avail I didnt get any help. 

How can I be assisted with this issue and I just want this to be deleted off of my credit report.