davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (CA)

This company is falsely saying I owe money. This cant be true. I have not received any letter in the mail for this matter. They are sending this message on behalf of the county court. This is absolutely ridiculous
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Urgent Dispute of Erroneous Account under FCRA Section 611 15 USC 1681 Dear Sir/Madam, I am writing to dispute an erroneous account that has been on my credit report since XXXX, stemming from a time when my personal information was stolen during the pandemic. Despite multiple attempts to rectify this issue, I have received no assistance or resolution from your company. 

This inaccurate account has caused repeated credit denials, significant financial hardship, and even contributed to personal and family distress, including a divorce from my wife of 6 years and other challenges with my child. 

Under FCRA Section 611 15 USC 1681, I have the right to accurate credit information and to dispute any inaccuracies. I urgently request a thorough investigation into this matter and the immediate removal of this account XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX  from my credit report. 

Please act promptly to address this situation and provide me with updates on the progress of my dispute. I expect a resolution within the timeframe mandated by law the stress level and distress I have acquired over the last year is taking a toll on me. 

Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

I opened an account with Citibank in XXXX. In XX/XX/XXXX they advised they would no longer be sending statements. They would communicate by email. My first problem is that they have never communicated since. It is almost 12 months and not a single statement or communication. No more emails and nothing in the trash either. My second and more concerning issue is that I can not access my account in any way and the company refuses any telephone or written support. I mislaid my ATM card. Because of this I am unable to even talk to their customer service people. I had an old dormant access card and was able to use this to get through the automated system and at least talk to them - but was told without my ATM card ( 1 ) they would not help ; ( b ) I can not apply for another card ; ( c ) they would NOT help me get access, and ( d ) without it the funds will NEVER EVER be released. If I don't find the card, the bank will keep my funds forever. Really? Are American banks so dishonest - lose a card and lose your funds??? There is no email facility at my bank. I can not log online as I do not have said ATM card. I have now faxed a letter to them twice ( a month ago in XXXX ) - and still no answer. I need help to get this bank to actually *communicate*. As it stands they have refused any help verbally and have said that they will not help in future either. I am also concerned as the account may become dormant. 
This bank is intransigent, difficult, obstructive and has indicated they have no intention of helping.
Consumer complaint received 2019-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MI)

The agency handling this alleged debt has repeatedly failed to provide a response to my letters of dispute and request for verification. Places the item and then removes it from my credit report and then re-ages the collection and places it back on as though it is new. I have received 3 debt collection letters regarding this alleged debt. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They were responded to via certified mail with return receipt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( I have saved copies of all correspondence however I'm not attaching here, however I will make them available upon request ). Additionally the agency removed the old collection account I had disputed repeatedly since XXXX from my credit report and placed it back on my report with an open date of XX/XX/XXXX. This is the 3rd time that they have removed and placed the alleged debt back on my credit report with an updated date. I'm currently in the process of closing on a mortgage and this has caused complications on that front. I am hiring an attorney to seek statutory and actual damages if this does not get resolved immediately but I felt that it should be reported to you as well.
Consumer complaint received 2017-05-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (AL)

The buyer 's mortgage company called me and asked me to move my financing to them. They promised a lower interest rate and quicker closing than the company I was already with. This same company is holding the earnest money of my buyer, not me. I felt pressured by the Mortguage person to switch to them because they said they could make it happen timely and they were in control of the funds. They did a very prompt appraisal of my purchase which came in one day ahead of my buyers appraisal, despite his application being submitted earlier perhaps. When it came time for the appraisal of my sell property, it was done/submitted only a  XXXX  days before closing. This was after my being pressured to pay rent if I did n't vacate ( I told them I needed  XXXX  month after closing to move ), and buying a home warranty. Also, other staff when inquiring about the process in the  Mortguage  office, told me the  appraiser  was aware if the asking price prior to the indpection. The mortugauge  officer  also called me and strongly pressured me to accept the price and close on my sale today  XXXX   XXXX    XXXX  . Also, the appraiser declined to talk with me. Their are numerous errors found within the appraisal. I ca n't help but feel there was collusion between the buyer and mortgage person. This later spilled over between the Mortguage co and the appraiser. Especially when members of the Mortguage co stated the appraiser has prior knowledge of the asking price.
Consumer complaint received 2015-11-10
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Westlake Services, LLC (SC)

An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by certified letter with return receipt that this is not may account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and they have refused to do so. I have asked for a copy of the signed contract, and any other information that they have to prove that this account belongs to me and they will not even respond. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavit so that they would know that this is not my account, but they refuse to comply with my request.
Consumer complaint received 2019-06-20
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc. (CO)

I have been paying the debt collector Real Time Resolutions regularly since XX/XX/XXXX. We had to sell our home on a short sale and Real Time Resolutions obtained the remainder of the debt. We have always been regular with our payments and never had a problem until XX/XX/XXXX when our check to Real Time Resolutions never cleared our account. The same happened for XX/XX/XXXX. Also, as of XX/XX/XXXX we stopped receiving any mail from Real Time Resolutions. We were also unable to log into our account on their website, receiving a message that it did not recognize the account. We called Real Time Resolutions and the representative we spoke with said he did not know what was wrong and he could not help us. We then received a letter from Real Time Resolutions dated XX/XX/XXXX stating that we owed them {$520.00} and to contact them immediately. This was the last piece of mail we received from Real Time Resolutions. Again, we were unable to log into our online account and the customer rep we spoke with was unable to help. Now Real Time Resolutions has been calling both my wife and I on our work phones during business hours and leaving messages to call them back. They have also reported delinquencies to both our credit histories and significantly weakened our credit scores. I am happy to resolve the issue with Real Time Resolutions, but I feel like the reported delinquencies are unfair since Real Time Resolutions has not been sending us notifications in the mail or allowed us to pay online or over the phone.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (VA)

I have previous sent an email of a police report on XX/XX/XXXX to XXXX  regarding fraud activities. I never received a response back. I have sent a certified debt validation letter to Acima on XX/XX/XXXX. Acima responded back requesting additional information such as DOB and SSN, I also provided them with the full alleged account number. On XX/XX/XXXX, I've sent another certified debt validation letter which includes the requested information from Acima along with a police report that was provided to me on XX/XX/XXXX with a couple of accounts that has been fraud. The case status on the report still says pending because no one was charge with this crime. Acima responded on XX/XX/XXXX with documents that claims to validate this alleged debt. Please see attachments. I do not have a hand written signed contract. I never done business with this company. I am not not liable for the collection from this debt. Fraud alert has been placed on my report multiple times. I'm a victim of identity theft and it has played a major part in the account from Acima. I need for this company to removed it IMMEDIATELY.
Consumer complaint received 2023-07-31
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. (AR)

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-19
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. (NC)

On XX/XX/XXXX I sent a letter to Transunion informing that there are several unauthorized credit inquiries on my report and that they should be removed. To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX Inquiry Date : XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4. XXXX Inquiry Date : XX/XX/XXXX 3. XXXX XXXX Inquiry Date : XX/XX/XXXX 4. XXXX XXXX XXXX Inquiry Date :XX/XX/XXXX 5. XXXX XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry Date :XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Working to avoid foreclosure submitted application for a short sale. Received an offer and submitted it. The bank sent out an appraiser to inspect the property and the bank sent out a decision letter based on that appraisal. The decision letter was dated XX/XX/2020, but it was not received until XX/XX/2020. The decision letter stated that they needed to receive XXXX to make a deal on the property. Rejecting the previous offer. 
Then they put a sale date on my property of XX/XX/2020 and say that I can not present a buyer with a hirer offer because it is too close to the sale date. 
Also my 3rd party Broker and myself have requested a copy of the appraisal and we were denied. 
I believe that Wells fargo is acting in bad faith by denying me a copy of the appraisal. 
Also once they came up with a price for me to sell the property then they denied me the chance to sell it. I have ready willing and able cash buyers with no contingencies and Wells Fargo will not accept the application to review. 
I feel Wells Fargo is using my property as a cash register for their benefit. I believe that are in violation of the law CPLR 3408 whereas the bank must act in good faith to review not Just for a Loan Modification but also short sale alternatives. 
Wells Fargo is acting in bad faith.
Consumer complaint received 2020-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CO)

In XX/XX/XXXX I signed up for a Bank of the West checking account with a XXXX dollar bonus if I made more than 1500 dollars of payroll deposits into the account in a 4 month period in a row. According to my statements I satisfied this requirement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and even XX/XX/XXXX. However they never paid out. I talked to a rep on the phone in XX/XX/XXXX and they told me Id see the bonus in my account on XX/XX/XXXX. This didnt happe so I called again the first week of  XX/XX/XXXX and asked what happened. The rep told me the XXXX dollar bonus would be in my bank account the last day of XX/XX/XXXX. This never happened. Finally I emailed on XX/XX/XXXX and got a respond on XX/XX/XXXX that they did some research and they dont know what happened. I just want that XXXX dollar bonus
Consumer complaint received 2019-06-20
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: WELLS FARGO & COMPANY (GA)

I have been trying to resolve an issue with Wells Fargo regarding charges to my credit card related to unauthorized transfers resulting in fees they assessed. These transfers, which resulted in a {$12.00} charge to my credit card was not done by me. They were either done by an employee within the Wells Fargo organization or done as the result of an error on the part of Wells Fargo 's banking systems, which happens often with this financial institution. However, they are now trying to force me to be responsible for paying these unauthorized charges ( fees ) in the amount of {$12.00} which is indeed fraudulent in nature. I have spoken to several representatives since XX/XX/2019 and to no avail have not gotten any satisfaction. They actually refunded half of the fraudulent fees, but left the remaining {$12.00} charged to my card. How is it that they would refund half of the unauthorized charges/fees, but leave the other half on my card? It doesn't make sense and no one within their organization can answer that question. They refuse to allow me to dispute this charge online via my portal so as to continue to assess fees to the card because I refuse to pay their fraudulent charges. 

I never authorized Wells Fargo to use a credit card account as a line of protection for any other accounts I've had with them over the years. This was something Wells Fargo did on their own. I never gave them permission to use this card for that purpose, however, they've done it and that in itself is fraudulent. For this reason, as well as my dissatisfaction with this bank for allowing this problem to go unresolved for 3 months, and other issues, I have closed ALL of my accounts. I believe their inaction in handling this matter is retaliation for me doing so. They are a scam and defraud customers to generate fee income on their products and services. I have been trying to get this issue of {$12.00} resolved since XX/XX/2019, and yet, I get nothing but the run-around with this institution. As a consumer, I will not be forced to pay for unauthorized charges or fees to a credit card or deposit account. For a bank like Wells Fargo to continue such an issue over {$12.00} is ridiculous. I want this matter resolved so I can be done with Wells Fargo indefinitely. They are not a banking institution worthy of managing my funds or financial accounts.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number XXXX XXXX XXXX has Discrepancy in the High Balance, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX  and XXXX XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Consumer complaint received 2019-06-20
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: Experian Information Solutions Inc. (GA)

One company said my address was not a match when in fact my current and previous address was direct from my statements. If my landlords an myself don't know where I live then I guess that I'm in a XXXX of a mess. Another company appears to have trick questions about my past mortgage. Another company said That I already had my free report, but since I live in Georgia I get TWO free reports. Nowhere to address this problem. This is insanity. They can't protect my info when they can't even keep up with where I live. Besides, IT'S MY REPORT.. MY INFORMATION.
Consumer complaint received 2019-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

One company said my address was not a match when in fact my current and previous address was direct from my statements. If my landlords an myself don't know where I live then I guess that I'm in a XXXX of a mess. Another company appears to have trick questions about my past mortgage. Another company said That I already had my free report, but since I live in Georgia I get TWO free reports. Nowhere to address this problem. This is insanity. They can't protect my info when they can't even keep up with where I live. Besides, IT'S MY REPORT.. MY INFORMATION.
Consumer complaint received 2018-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

About 8 month 's ago i discovered i was a victim of identity theft which was very disturbing to me to find out that someone unknown to me had used my personal information to get credit cards, phones etc. under my name and since i was not aware of these accounts they ended up getting charged off and some ended up in collections.At that time i field an FTC REPORT and send it to all credit bureaus and notified them that i am a victim of identity theft. a month later i received my new updated credit report which showed they removed items that was opened up fraudulently, about amount later i got an alert that i have a collection account that is reporting on my credit report i immediately purchased a copy of my credit report and discovered a collection account for an unpaid telephone bill from company called IC SYSTEMS INC, I contacted the company and told them this is a fraudulent account that some one had used my information and the representative asked me if i have a police report and i told them no but i have an FTC report and she said if i get a police report she can remove the account from my credit report, obviously thats what i did and faxed the papers to them and the item still at my credit report. Also this account was not in my credit report originally.