davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

I am a victim of a school loan consolidation scam. A company conned me into allowing them to remove {$29.00} on the XXXX of each month, a recurring transaction stating that the money would be paid toward my student loans. The money has been taken out of my Wells Fargo Checking Account religiously for years. In XX/XX/2018 I entered a branch of Wells Fargo, after learning that the school loan consolidation company was a scam, and filed a fraudulent claim. Going back the life of the authorization and was told that the Fraud Department would be in contact but I was assured that the withdrawal of funds would stop, per my revoking the authorization. I was contacted in XX/XX/XXXX by the Wells Fargo Fraud Department and was told that they found my authorization for recurring withdrawals to be sufficient and denied my fraudulent claim. Even with me supplying proof that the company listed as taking the funds out was reported by the XXXX  as being out of business and was a fraudulent company. At which point I notified the representative from the Wells Fargo Fraud Department and the branch I originally went into of my rights to 'revoke ' any previously authorized recurring withdrawals, stating I wanted an immediate seizure of any future withdrawals and requested that the withdrawn funds for XX/XX/XXXX and XX/XX/XXXX be refunded. Please be advised that this all took place before the XX/XX/XXXX withdrawal was to take place as well as the withdrawal for XX/XX/XXXX which was also removed.. However, the withdrawal for XX/XX/XXXX did take place and nothing has been refunded. In fact, Wells Fargo has informed me that I am not permitted to stop this withdrawal from recurring even with the revocation of my original approval. Attached please find the letter I sent to the Fraud Department and the Branch itself.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-02-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

My husband and I were forced to file bankruptcy ( Chapter XXXX ) last yr due to health/job loss issues- our Mortgage company Carrington Mortgage is now sending us notices saying we are behind in our mortgage payments which is totally false- we have proof that we made 11 mortgage payments in XX/XX/XXXX, which paid us up through XX/XX/XXXX. But our mortgage company is falsely stating that they havent received a payment sinceXX/XX/XXXX. We have contacted them multiple times and tried to get to the bottom of the discrepancy and they always give us a different story. They refused to give me a local Carrington Mortgage office location so I could bring in PROOF of payments- so I had to look it up myself. I need some guidance on how to deal with this fraudulent activity.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I started this process in XX/XX/XXXXwhen I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XX/XX/XXXX into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have 7 accounts with the same account number of XXXX and 3 with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through fed servicing now. Even though they show charge off they also reported a 120 day late for XX/XX/XXXX even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.
Consumer complaint received 2019-02-14
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX   XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I started this process in XXXX when I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XXXX of 2017 into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have XXXX accounts with the same account number of XXXX and XXXX with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through XXXX XXXX now. Even though they show charge off they also reported a 120 day late for XXXX of 2017 even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

I HAVE DISPUTE THSI ACCOUNT XXXX  XXXX XXXX XXXX, THE COMPANY HAVE STATE I DO NOT HAVE ACCOUNT WITH XXXX XXXX XXXX XXXX. I HAVE ATTCHED COPY OF MY EQUIFAX CREDIT REPORT AND LETTER COPY OF THE CFPB LETTER.PLEASE REMOVE ACCOUNT.
Consumer complaint received 2023-01-31
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)

My name is 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.
Consumer complaint received 2019-02-14
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: EMBRACE HOME LOANS (NC)

REGARDING EMBRACE HOME LOANS INQUIRY XX/XX/XXXX XXXX XXXX XXXX LOAN MGR I. HAVE BEEN TRYING TO GET A COPY OF THE CREDIT INQUIRIES OF THE INQUIRY SINCE XX/XX/XXXX AND IF WAS APPROVED OR DENIED BUT HE IS ACTING XXXX   IN HIS EMAIL BACK TO ME. STILL NO COPIES RECEIVED AS OF XX/XX/XXXX
Consumer complaint received 2019-02-14
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)

I recently ran my credit report and i saw a couple of items on my report that i did not approve of. I need these items deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX. 
I contacted the FTC and my local police. I am doing this on my own behalf.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have discovered A Bankruptcy and numerous inquiries on my credit report that should not be there. I have tried to contact experian about this matter and they keep telling me that they investigated and got proof from the court that this bankruptcy was reported by them. The court however spoe to me and sent a letter stating they do not report ANYTHING to these bureaus. Experian has failed to provide proof to me or investigate this bankruptcy. So i am hoping that you can address this matter and demand removal of this bankruptcy.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Bank : Golden 1 credit union Card : Visa I was double charged {$150.00} twice by XXXX XXXX on XX/XX/19. I contacted the merchant XXXX XXXX in XXXX, ca and they said they only charged once when my statement shows {$150.00} twice. I contacted golden 1 to dispute the charges and they are refusing to return my {$150.00} back to my account.
Consumer complaint received 2019-02-14
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)

XXXX, TRANSUNION AND XXXX ARE REPORTING IN ACCURATE INFORMATION ON MY CREDIT REPORT. 

XXXX : ACCOUNT XXXX XXXX XXXX   ACCOUNT XXXX ACCOUNT XXXX CHILD SUPPORT ACCOUNT XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX IS NOT MINE ACCOUNT XXXX XXXX XXXX XXXX IS NOT MINE ADDRESS : XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE
Consumer complaint received 2019-02-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D2 Management LLC (VA)

I received a call regarding a balance ( {$140.00} ) on a payday loan from XXXX XXXX. I advised I did not take out a loan with XXXX XXXX for that dollar amount and settled the account with a different collections agency. The rep asked me to fax the receipt. I advised I had to find it since it's been well over a year. I called the debt collector ( D2M ) today and advised I found my receipt but did not have the ability to fax it at this time. I asked if I could email it and was advise that wasn't an acceptable form of transmission. I then proceeded to advise the rep that I am disputing the debt and requested that they send me documentation supporting their claim. The rep advised I had to settle the outstanding amount prior to them sending supporting documentation for the claim. The rep continued to advise they are not required to send me anything showing proof of this transaction and hung up.
Consumer complaint received 2019-02-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX, I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2019-02-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I traded my auto in, that was financed by XXXX XXXX XXXX, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 
1 ) Equifax is reporting a late in XXXX and XXXX. They also have my account coded as I2 ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 
2 ) XXXX XXXX is reporting a 30 day late in XXXX and they are also coding this account as I2, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 
3 ) XXXX has my coding correct because they are reporting this as an I1 but they are also reporting a late payment in XXXX that is incorrect.
Consumer complaint received 2019-02-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Financial Credit Service, Inc. (OH)

I received a call XX/XX/19, at XXXX XXXX  to my do not call or text cell phone ( XXXX ) XXXX from a caller ID hidden number. The caller represented herself as member of the XXXX County District Court. She requested that I have a relative call her immediately regarding a fraud case and told me that my son XXXX XXXX XXXX as well as me, XXXX XXXX XXXX may be called to the court in the fraud case. She told me to have the relative call XXXX ext XXXX and gave me the name XXXX XXXX. I called the number given and connected to a voicemail. I told them I would be reporting XXXX because of the misrepresentation and they have no right to contact me regarding a debt collection that is not mine. I directed them not to call me again. Almost immediately, XXXX called me again, twice, which I did not answer. I was left a voicemail to call them and talk. XXXX reported the true phone number as XXXX. I have kept the 27 second voicemail from XXXX.
Consumer complaint received 2019-02-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (FL)

I made a claim to my insurance company for damages to my property during hurricane season. My mortgage company, Ditech, held the insurance check for processing and releasing of funds. After funds were processed Ditech sent a check to me so that I could pay my contractor. The check was issued for {$40000.00}. On monday, XX/XX/XXXX, I deposited the check in my bank account and advised the contractor the money was ready to start the job ( re-roofing ). I gave my contractor two personal checks for partial the amount and the job started. A few days later, I go into my bank account online and find out that the mortgage company had put a stop payment to the check. Not a phone call, not a letter nothing from Ditech, advising me that they were going to hold the funds. I contacted Ditech and was told that the reason they held the {$40000.00} check is that they were filing for bankruptcy chapter XXXX, and they were court mandated to freeze all their assets. I explained to Ditech, that there were outstanding checks written by me for the contractors and they would bounce because they stopped the payment on the insurance check. Now I am facing legal action from my contractor for non-payment and overdraft check fees for the bounced checks. Ditech told me the best they can do is issue another check since my financial institution would not redeposit the insurance check. I asked Ditech for a letter explaining the situation so I can show my contractors what the issue is, and Ditech refused to send me a written explanation of the problem, stating that is it not company policy to do that.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC (FL)

On XX/XX/XXXX My fianc and I went to via XXXXXXXX XXXX XXXXXXXX XXXX  to purchase a property. Because my credit was stronger than his I was informed to put myself on the property and because there is no box to check for engaged, I was also suggested that I checked single. The only option were married, single or divorce. Nevertheless, XXXX and I continued the process toward getting the home. 
On XX/XX/XXXX XXXX and I broke up. I went to the XXXX home site on XX/XX/XXXX to Notify XXXX of what had transpired and that I wanted to cancel. She said no problem! All I had to do was write a letter because she had a waiting list and someone else is interested in the property. I did as she asked and a letter was produced to her on XX/XX/XXXX, explaining the circumstances as to why I was cancelling the purchase of the home ( see attached ). 
Nevertheless, the following week, XXXX informed me that my request was denied. I was surprised because she said the letter was sufficient! She said that XXXX will only allow me to transfer to another property. Moving forward I asked her to provide me with her boss information and after speaking with him ( XXXX XXXX ) it was evident that they were not letting me out and the only option in oorder to not lose my money, was to move forward with a transfer. 
During or around the first week of XXXX. I came across XXXX XXXX property. On Friday XX/XX/XXXX I gave XXXX from XXXX XXXX dollars toward transferring from one property to the next. I went out of the country the following day XX/XX/XXXX and ever since then it has been rush, rush, rush. Everything was rushed and they/XXXX always threatened me that I would lose my deposits. They would say Send us more money or lose your deposit. Signed these papers or lose your deposit I clearly spoke to her about my travels plans but it was not respected. I sent XXXX ( 2 ) XXXX deposits one on XX/XX/XXXX and the other on XX/XX/XXXX. They sent me papers to sign that I didnt sign because I did not understand them. I returned on XX/XX/XXXX and I was asked to sign more papers that I dont understand. Nevertheless, on XX/XX/XXXX ( a week later ) I did an inspection with XXXX inspector ( XXXX ). He found 100+ issues with the property and my independent inspection found over 150 issues wrong the property. What upsets me is that XXXX still want to close at the end of the week which means that I will be getting a rushed job and most likely items will not be properly fixed with the issued found. 
In addition to that, I have now discovered that my loan application has information on there that is not accurate. My income is incorrect and all of my debts are NOT included. I strongly believe and feel that XXXX is forcing me to go through with this deal and I dont think that I would truly qualify on my own despite my plea to them ... A lot of things were not done correctly and I think the loan process should stop and be further investigated by you guys. I think they are looking out for themselves and someone needs to look into this further.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act : XXXX - Account # XXXX and XXXX XXXX XXXX  - Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-02-14
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. (GA)

I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, XXXX XXXX XXXX. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!