davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TN)

I went to Wells Fargo 's XXXX XXXX location in XXXX, Tennessee for a scheduled meeting to conduct a wire transfer. I met with my private banker XXXX XXXX at XXXX XXXX  CST. I opened an account for a safety deposit box and then moved forward to make a wire transfer. I was attempting to make a wire transfer of {$320000.00} to a company I do business with in XXXX. XXXX explained that she was going to need to call for a code to complete the transaction. She called to request the code and was placed on hold for 15 minutes. When someone picked up the phone it was a gentleman named XXXX. He proceeded to ask XXXX : how long have you known Ms. XXXX? Why is she sending this size wire? Why would anyone pay her this much money? Can you send me a copy of her driver 's license? He then puts her back on hold for another 36 minutes. When he comes back to the line, he tells XXXX he is opening an investigation into the wire. I was shocked and alarmed by this statement. 

XXXX apologized for his behavior. I later received a call from an XXXX in the fraud department telling me my account is being closed because the wire was being recalled because of fraud. I asked her why was that the case when I had submitted a Client Information Sheet, Anti-Money Laundering agreement, an engagement agreement, a copy of the sender 's passport, and a copy of the wire transfer slip to my local branch. She said the wire was being recalled and it was nothing I could about it. I told her I was filing a complaint because this was the second time in a year I have had problems with Wells Fargo regarding large deposits into my account. Last year I had {$250000.00} deposited into my account and I was accused of money laundering. 

I spoke to the sender of the wire and she did tell Wells Fargo she was going to recall the wire because she did not like the questions they were asking her. She did go to her bank on Tuesday, XX/XX/2021 to let them know she was not recalling the wire.
Consumer complaint received 2021-04-15
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. (NV)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-04-15
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 — Problem with personal statement of dispute
Company: Onity Group Inc. (FL)

they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. XXXX is the people that sent the negative credit report. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. PHH mortgage I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. 

Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted PHH and payed full past due amount and the following mnth as well and set up autopay again XXXX XXXX is the company that reported it I havent really getting much help on this from none of the companies
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Received a call from XXXX was told I must call XXXX this is XXXX XXXX. If I do not pay the amount of XXXX $ a technitian is outside to disconnect my elcetricity. 
The company asked me to pay only with XXXX because I need to pay immidiately the money. I did on XX/XX/XXXX via my account in Chase. Subsequently, the scammer asked for another {$850.00} when I realized that I was scammed. I contacted Chase, since the fund went to another Chase but they said they can not do anything about it. I contacted XXXX and the same was said. Please note, I am XXXX years old and just came out of the hospital from a XXXX XXXX XXXX XXXX XXXX when this issue happened
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

I am disputing the XXXX, XXXX XXXX XXXX XXXX collection referencXXXX XXXX XXXX XXXX vs. XXXX XXXX. 

Attached are the following documents to demonstrate that this account is well passed the Statues of Limitations. My last rent payment to XXXX XXXX XXXX, the landlord to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, was XX/XX/XXXX. 

1. Addendum 1 : Request To Set Case For Trial dated XX/XX/XXXX. Please refer to the highlighted section on page 2 of 2. 

2. Addendum 2 : NOTICE THAT YOU HAVE BEEN SUED dated XX/XX/XXXX. Please refer to the highlighted section on page 3.

3. Addendum 3 : After Court Judgment dated on XX/XX/XXXX. Please refer to the highlighted section on page 1 of 2. 

Clearly the evidence shows the collection efforts commenced in XXXX, shortly after the last/final payment was made to the Plaintiff XXXX XXXX XXXX XXXX XXXX which ultimately sent this account to collections. 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the four years Statutes of Limitations to collect such debt, and thus should be removed.
Consumer complaint received 2022-12-03
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-06-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION (LA)

The bank calls for payment during the 10 day grace period and everyday after. Some days they called more than once. 
They are literally harassing me at this point, and I don't even make the payments for the truck, just because it's in my name, doesn't mean I pay it! I spoke with XXXX 2 Thursdays In a row and explained who pays the truck and he asked me the same stuff both times. As if he didn't notated anything the first time on that Thursday! I'm tired of getting a phone call from them. The people who pay the truck will not let it go past 30 days because they will not let it hurt my credit! Please take care of this!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-21
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NC)

Equifax is keeping me from cancelling my subscription. When I try to log in I am told it is the wrong login information which is the information I keep in my XXXX XXXX account. When I try to get help logging in I enter all the information they request such as Social Security number, name date of birth, mobile phone number and email address, I am told that they are unable to help me. I have already signed up for XXXX  Credit Reporting, so can you see my dilemma? Thank you for any help you can provide me.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-04-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

Can someone please help me! I am being taken advantage of and it is extremely unfair! My consumer rights are being violated! I noticed some inaccurate/fraudulent items that are reporting to my credit file. I have notified the credit bureaus and have sent them dispute letters over 90 days ago. I have yet to get a response to resolve my problem. I know that the items must be investigated within 30 days of them receiving my dispute letters according to the Fair Credit Reporting Act. I need the disputed items deleted from my credit file immediately. The credit bureaus are also using stall tactics to not respond to me, giving me responses like " they need authorization from me to proceed ''. I have attached my drivers license and a utility bill to verify my identity, can you please see that they delete all accounts that are disputed immediately please.
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-04-15
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 — Problem with personal statement of dispute
Company: BSI Financial Holdings, Inc. (FL)

they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. BSI is the people that sent the negative credit report.

1. BSI Financial Services 2. XXXX XXXX XXXX 3. XXXX XXXX  I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. 

Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted XXXX and payed full past due amount and the following mnth as well and set up autopay again bsi financial is the company that reported it I havent really getting much help on this from none of the companies
Consumer complaint received 2021-04-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I started XXXX XXXX in XXXX Illinois in 2007 I only did XXXX because my children grandparents got very sick so I never return next thing I no I was getting billed every month which I havent attended when I started filling out paperwork I thought it was for financial aid from the government all along it was from a third party loan which I expressed to them I have a job I can pay my way the young lady told me the paperwork I was filling out was not a loan and then all of a sudden Im getting bills I never received a school check from them I never received anything and I feel that was wrong and not fair because this been on my report for 14yrs now I cant establish any credit for my XXXX at all because of this
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

My mortgage company is saying I am in default because I have not paid the correct amount of taxes and insurance towards my impound account. I have supplied them with a copy of my current property tax bill but they have disregarded it and arbitrarily using a number 151 % above my current tax bill. They raised my monthly payment from {$2100.00} per month to $ XXXX month. 

XXXX annual taxes are XXXX / XXXX = XXXX Insurance {$640.00} / XXXX = XXXX P & I Payment is only XXXX My total payment due should be XXXX They sent me a letter stating they will return any payment less then the new full amount and I am in default and they are going to start foreclosure on my house. 

I just refinanced XX/XX/2020 and they took XXXX for tax impounds and {$910.00} for insurance. It is numerically impossible for them not to have enough money in my impound account to cover my taxes and insurance. 

Every time I call UWM I am passed around and disconnected. No one seems to know what they are talking about. Now they are saying my account has been referred to collections and they can not talk to me anymore. Please help I have never been late with any obligation in my entire life.
Consumer complaint received 2022-02-15
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. (AZ)

The list of inquiries and incorrect information was unknown and erroneous. The inquiries were pulled without my knowledge while the incorrect information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following inquiries and incorrect information removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Consumer complaint received 2021-06-14
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)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.