davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS AND ONE ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-07-02
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. (SC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer Report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have attempted to contact the credit agencies to inform them to lift the freeze and fraud alert on my credit file because I am trying to get a car finance and they are unable to access my credit report. Please remove any blocks or holds on my XXXX, XXXX, and XXXX reports. 

Please add my contact telephone number to my credit report : XXXX
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (SC)

MR COOPER refuses to send my ESCROW nor Interest check. I paid off mortgage on XX/XX/XXXX. As of XX/XX/XXXX I still have not received my escrow nor interest check. I had a name change 2016 and received a letter from MR. COOPER verifying the change. I was sent an escrow check in the wrong name ( and bank will not take it. ) Called the company and was assured that a new check with the correct name would arrive within 2 weeks. When I called after that time I was told that I needed to submit documents for my name change ( which they had in the notes that they had received and noted that a letter was sent verify that the name was changed. ) The name change would take another week and then they would send a check. I escalated after the rep told me I should have taken care of the situation inXX/XX/XXXX. The Escalation Manager XXXX XXXX told me on XXXX that I would have a check that would be sent by XXXX on XX/XX/XXXX. He gave me a tracking number via email that turned out to be fake. I called back on Monday XX/XX/XXXX and spoke to another Escalation Manager XXXX XXXX who was quick to tell us that the company was human and therefore we should expect errors. She assured us she would send us an email with an update. She sent an email that confirmed the correct address but that she would have to let us know when the check would be sent. Today XX/XX/XXXX we called again and she gave us a routing number that the ESCROW would be sent via XXXX. No info on the interest payment. I still have not received the money due to me nor will I receive interest that is due to me for not having it. Yet I'm sure MR COOPER is making money off my XXXX that is due.
Consumer complaint received 2020-02-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Slovin & Associates Co., LPA (OH)

I received notification of the debt at the end of XX/XX/XXXX. I emailed the attorneys as the notification demanded on XX/XX/XXXX requesting the explanation of the charges with documentation supporting the claim. I never received a response. The lawfirm sent another bill with claim codes blacked out. 
XX/XX/XXXX, I emailed again requesting the information for the bill and supporting documentation. I also called the law firm. I communicated in the email, I wished to settle the matter, but the charges did not add up and I needed the documentation. 
NO RESPONSE I emailed again on XX/XX/XXXX, requested the explanation of the charges. NO RESPONSE On XX/XX/XXXX, I received a motion for default judgement with the statement I have never contacted the lawfirm, even though I have the electronic proof. 
I called the office to have them explain. They stated they would send the required information to me. 
XX/XX/XXXX Motion for default judgement filed anyway, despite reporting complete lies.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (NY)

On XX/XX/2017 I used my credit card for a friend that lives out of the country to pay a some type of fees on his timeshare account with XXXX XXXX XXXX XXXX XXXX XXXX ; Because his credit/debit card was declined due to his banking security issues and he was not able to use his own credit/debit card at that time, so I used my card for the transaction. That was the ( ONLY TRANSACTION ) I allowed to be made on my credit card and never signed any contract with XXXX XXXX XXXX XXXX. ; After a couple of months I was traveling in XXXX and tried to use my card for a small purchase and the transaction was denied, I figured that the transaction was declined because I was out of the country at that time. Once I arrived back to the United States I contacted my bank and logged in to my online account only to find out that there were several large amount charges from XXXX XXXX XXXX  / XXXX on my credit cards, so I contacted my credit card companies and let them know that the transactions were not authorized by me, so they place a claim for the transactions. Everything seems to be fixed for a while but after a couple of months the charges were reversed back to my account and the bank issued me a letter stating that XXXX XXXX XXXX XXXX. XXXX. ; provided them with my authorization for the transactions when I did not. XXXX XXXX XXXX XXXX. XXXX. negligently and knowingly charged my cards without my authorization for their member/stockholder account because their member/stockholder credit/debit card would not go through for the transactions, so they charged my cards over and over. Without my authorization XXXX XXXX XXXX XXXX. XXXX. saved my card information on their system without notifying either myself or their member/stockholder. 

After and while looking up the company online I found similar situations, they are money hungry and their agents try and do anything to get money in no matter what even it it is to break law in every aspect. 

Now, I owe my credit card companies {$42000.00} not counting interests and my credit card companies only tells me to go to the police and nothing is resolved. 

Now the only choice I have is to file a law suit in Federal Court to  recover the moneys they charged me because I can never pay this amount. 

This also have impacted dramatically my credit scores making it impossible for me to get a loan due to extremely high interest charges. Even more, myself and my partner have almost all of our accounts jointly and his credit has also been affected dramatically.
Consumer complaint received 2019-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I am a victim of identity theft. please remove this fraudulent charge from my credit report asap. XXXX XXXX XXXX XXXX BALANCE {$210.00} XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX REPORTED TO XXXX IS NOT MINE. I WILL BE LOOKING TO SUE SOMEONE FOR THIS MISTAKE. XXXX IS REPORTING THE SAME THING UNDER A DIFFERENT NAME. WAKEFIELD ASSOCIATES XXXX {$210.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX. SO THEY HAVE TOO ACCOUNTS UNDER DIFFERENT NAMES THATS ILLEGAL. I AM ALSO A VICTIM IN MULTIPLY DATA BR. XXXX, XXXX, XXXX XXXX. MY HOME OWNER GOALS ARE RUINED BECAUSE OF THIS {$210.00} DOLLAR PLEASE BLOCK FROM MY CREDITREPORT THANKYOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I NEED A PROMPT REPONSE. WAS TRYIN TO PURCHASE PROPERTY ON MY BIRTHDAY XXXX ID XXXX XXXX XXXX
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Our mortgage was transferred from XXXX to Shellpoint New Rez. When they did this, I set up a one time automatic payment thru my bank to NewRez to cover the 1st pmt. I paid {$1800.00} on XX/XX/19, which is the full mortgage payment for XX/XX/2019. NewRez then did an ACH for {$1800.00} on XX/XX/19, and took another ACH for {$1800.00} on XX/XX/19. I have called for a refund of the two erroneous payments. At first they told me that I must prove that they took the XX/XX/19 pmt, which I did. I have since spoken with at least 7 different reps at their call line, who each tell me that they are escalating. Each time they do this, they tell me that it will be 2-3 days, 24-48 hours, 4-5 days ... for us to see the refund in our bank account. I completed the " Contact Us '' on their website 3 times, I faxed them with confirmation, and I also wrote a snail mail letter as they state that we have rights under the Federal Gov't. All of these attempts have provided NO response from this company. They destroyed our budget and put us in a negative with other debtors when they pulled a total of {$3600.00} that they were not entitled to. On top of this, the statement then showed that the next pmt was due XX/XX/2019, which is also incorrect - based upon these payments no pmt was due until XX/XX/2019. They've now moved the {$3600.00} to " Unapplied Balance '' so it is not benefiting the interest on the mortgage either. I was told yesterday that this was escalated to this person 's supervisor who is the only one who will be able to find out why the escalations have not brought results. I was on the phone again today filing another complaint. I am now told that a XXXX XXXX will call me within 24-48 hours, so again we wait. Since it is XX/XX/2019 and payment is due no later than the 15th ( and I never wait this long ), they offered to move the unapplied balance to the loan. I don't trust them to do this, so filed the complaint once again today requesting the refund. I gave them the bank and routing number in one of the previous calls and was told we would see the funds back in our account within 24-48 hours. I have removed the banking information on our account with them so they can not do this again, and have set up automatic payments through our bank, but this does not resolve the situation that we have with them now.
Consumer complaint received 2023-01-04
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. (WI)

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
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 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 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 2024-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (WI)

On XX/XX/2024 I attempted to open a Citi checking account. I was denied and told I'd receive a letter in the mail. I received the letter on XX/XX/2024 ( file number XXXX ). The letter listed the reason as " unable to verify information ''. 

Thinking that I perhaps entered information incorrectly upon signing up, I tried again to open the account on XX/XX/2024. I received a denial again, so I called the phone number listed on the letter I received to get clarification about " unable to verify information '' and get a better understanding of what information was unable to be verified. The person I spoke with was unable to provide me with any additional information. 

On both XX/XX/XXXX and XX/XX/XXXX after attempting to apply for an account, I received a notice from " XXXX XXXX XXXX '', a service I have set up to monitor credit inquiries that a lender ( presumably Citi ) attempted to verify my identity. Because of the timing of these notices, I believe these to be requests from Citi. 

Because this is an adverse action that I believe to be based on a credit report, I expected the letter I received to list the specific reason for the action, and also inform me of my rights to receive a copy of the report that the decision was based on. The letter did not contain this information and the agent I spoke to was unable to give me any further information. Because of that, I do not know whether your descission was based on potential inaccuracies in my report.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

un-autorized INQUIRIES AND ACCOUNTS 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 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
Consumer complaint received 2019-07-13
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: Experian Information Solutions Inc. (VA)

The following accounts are inaccurately reporting on my credit file. These accounts do not belong to me therefore I can assume that they are fraudulent, or my lost id may have been sold on the dark web. For whatever reason they still doesn't belong to me and I'm demanding that these following accounts are deleted from my credit files. 

1 ) XXXX XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}
Consumer complaint received 2021-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MS)

XX/XX/21 I received a text message : " Wells Fargo Bank Fraud Alert : Did you attempt a XXXX payment for the amount of {$3000.00}? Reply YES or NO or XXXX to Decline Fraud Alerts. '' I responded NO as asked. A male, identifying himself as a Wells Fargo employee, immediately called, explaining a XXXX transaction had been initiated from my checking account to a recipient with XXXX XXXX He advised we would need to attempt to contact XXXX XXXX to see if the transaction had already been completed. He sent a verification code from Wells Fargo. Placed me on hold, to contact XXXX XXXX, who also sent a XXXX XXXX XXXX Both codes were provided to the Wells Fargo employee. The male then walked me through how to open XXXX, create a profile under my name and number and stated, that he could only attempt to reverse the fraudulent monies sent, back to my profile we just created to reverse the transaction. He walked me through attempting to reverse the transaction, both transactions ( from savings and checking ) were completed under the belief I was speaking to a Wells Fargo employee walking me through how to recover my stolen money. When attempting to reverse the transaction I seen the name XXXX on the XXXX account instead of my name as we just created the profile under my phone number. He advised that must be the name of the fraudulent person and asked me for more details. After the transactions were completed, he created a dispute in the remaining amount. After the some time the call dropped. 
I called back in to Wells Fargo, and was advised all of the previous information was fraudulent activity. Initially, a claim was filed which was denied. Wells Fargo claims they do not cover any transactions made through XXXX. When contacting XXXX, they advised me to contact Wells Fargo as they only cover transactions made through their app directly, anything made through personal financial institutions should be covered through that bank directly. Wells Fargo has refused to cover the fraudulent activity, citing there was no fault on behalf of Wells Fargo. Wells Fargo claims that XXXX is a completely different organization, not covered under their XXXX liability program which ensures they cover fraud. My XXXX account is created through my Wells Fargo account, the transaction was completed through first opening my Wells Fargo app to get to the XXXX tab. This is very misleading information for the account holders who believe they have fraud coverage. According to XXXX, Wells Fargo should cover the fraud directly. 

By XX/XX/21 more fraudulent activity is now taking place on my checking account.
Consumer complaint received 2019-07-02
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. (GA)

My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

I received a letter from Enhanced recovery regarding an alleged debt dated on XXXX. I responded to the letter asking for validation of the debt, I have attached the letter and copy of the tracking receipt. I have not received any validation to date but today I received notification on my credit report that the debt was reported. This is clearly a violation of federal law and a blatant of the Texas XXXX code. I will also file a complain with the Texas State attorney general 's office.
Consumer complaint received 2021-11-30
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. (PA)

I have contacted all XXXX credit bureaus challenging the factual and accurate reporting of this account that is showing up on my credit report XXXX...... i have contacted them XXXX times and each time it comes back as verified as accurate ... ..how is this possible when there are multiple inconsistencies in the reporting between the XXXX bureaus???? i have attached a copy of the report with all of the inconsistencies circled ... ..they did not conduct proper investigations and are XXXX  ME the consumer ....
Consumer complaint received 2023-06-11
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. 

1.XXXX  XXXX ACCOUNT # XXXX has violated my rights. 
2.XXXX  XXXXXXXX XXXX XXXX ACCOUNT #  XXXX has violated my rights. 
3.XXXX XXXX ACCOUNT # XXXX XXXX has violated my rights. 
4.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
5.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
6.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
7.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) 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 reporting agency if the person has reasonable cause to believe that the information is inaccurate.