davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TX)

I opened an account with Transferwise on XX/XX/2020. 
My intention was to use their services to do an international wire transfer from my account in the United States to my account in XXXX  where I am currently stranded due to Covid-19 travel restrictions. Both accounts are owned by me. I planned to transfer {$2000.00}. 
On XX/XX/XXXX I was notified that the transfer was taking longer than usual. Since I was in urgent need, I attempted to use a different funding method to transfer the funds instead of waiting. 
After this point, my account was suspended. I initiated an appeal process and I was able to supply the company with all documents required to verify my identity. 
On XX/XX/XXXX I was notified that my account would remain closed. As is company policy they were unable to tell me the reason. 
Since transferring money between two accounts that one person owns is a normal use of this kind of service I can not imagine what problem is. If there are signs of identity theft or fraud using my identity, it is something I am unaware of but would like to be made aware of it so I can deal with it.
Consumer complaint received 2022-07-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I got a mortgage for my home in XXXX. XXXX  was the lender, who on my mortgage documents, automatically assigned to XXXX XXXX XXXXe ( XXXX )., In XX/XX/XXXX, Wells Fargo took over as my mortgage servicer. 
On XX/XX/XXXX, after 18 years, Wells Fargo decided to record the reassignment of my mortgage in XXXX XXXX clerks office, from XXXX, XXXX to themselves. They list the starting date for my original mortgage XX/XX/XXXX, XX/XX/XXXX as when they took over my mortgage. This is totally false information. They took over as my mortgage servicer XX/XX/XXXX. 
A Wells Fargo Loan analyst, signed the reassignment document as a XXXX  employee ( Asst Secretary ). 
Where's the original reassignment document signed by a real XXXX employee?
Consumer complaint received 2018-05-10
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: Diversified Consultants, Inc. (AZ)

Hello diversified consultants continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth diversified consultants has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2022-06-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

On the following dates, I wrote and sent letters to the XXXX major bureaus ( XXXX, XXXX, and Experian ). I received no correspondence from XXXX or Experian, but XXXX did send me a stall letter, after the XXXX days they are allowed by law, claiming they felt I did not right the previous letters but instead used a company to do so on my behalf. They have sent me this letter multiple times in which I have responded to them that I am the person sending the letters and have included my driver 's license with each letter. The other XXXX bureaus, XXXX and Experian, just have not responded to my claims, they have not corrected any inaccurate information on my credit reports, or provided me with any proof of accuracy. XXXX hasn't corrected any errors or provided any proof of accuracies either. Please note the dates below that I have sent all XXXX bureaus requesting to investigate negative/inaccurate information on my credit reports. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I will be sending them letters again today demanding they do what is legally required of them by law.
Consumer complaint received 2022-07-23
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-07-23
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2021-11-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

XX/XX/21 - MRS BPO LLC collections agency sent me a letter stating that they are attempting to collect {$300.00} balance owed. 

XX/XX/21 - I sent a debt validation letter requesting that they validate the debt XX/XX/21 - The letter that was sent via certified mail was delivered. 

XX/XX/21 - It has been more than 60 days and the debt has not been validated. The collection agency is non-compliant with the FDCPA. This company may not attempt to damage my credit report.
Consumer complaint received 2020-07-31
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: EQUIFAX, INC. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-31
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: CITIBANK, N.A. (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to XXXX and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XX/XX/XXXX and was told it would be resolved in a few days My current mortgage company called them again on XX/XX/XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.
Consumer complaint received 2018-05-10
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. (AZ)

Hello University XXXX XXXX has continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth University XXXX XXXX has never responded to me. So how is experian verifying this information. According to her phone call I had with a experian rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2022-07-23
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: Bread Financial Holdings, Inc. (GA)

XXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
XXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
XXXX XXXXXXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well XXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well XXXX XXXX XXXXXX/XX/XXXX This is inaccurate information that I disputed to XXXX over 30 days ago and it is still on my report COMENITYXXXX XXXXXX/XX/XXXX This is inaccurate information that I disputed over 30 days ago with XXXX, XXXX and XXXX
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I have had a Wells Fargo checking account for several years without any problem. Because I have been a victim of identity theft and people opening credit cards in my name and using it and because I was moving to another state, I sold my personal possessions on XXXX XXXX  to help finance my move home. I sold a personal possession of mine and she paid with a. Counterfeit check of {$3000.00} for me to mobile deposit. I obviously did not get the check and lost the item I was selling for nothing. When I tried to mobile deposit it at Wells Fargo, it accepted it, then processed it, then denied it. The bank automatically closed their business relationship with after being a loyal customer. Including locking me out of my checking account and credit card account that had money on it. When I filed a FTC affidavit and police report, they didnt help at all and still charged me insufficient fees. They continued to let recurring payments go through even though I had shut off transactions. When I tried to dispute transactions, they automatically denied them. They opened credit card accounts in my name and did not help at all when my id was stolen.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (TX)

I just received an updated copy of my credit report and there are some HARD INQUIRIES that I do not recognize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-13
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. (CA)

I BELIEVE THE 3 MAIN CREDIT REPORTING COMPANIES EXPERIAN, XXXX XXXX, XXXX, BROKE YOUR OWN UPDATED COVID-19 POLICIES BECAUSE I HAD A FICO SCORE OF XXXX XXXX OF XXXX NOW PRESENT XXXX XXXX XXXX FICO SCORE XXXX DROPPED OVER XXXX POINTS, BECAUSE I GOT LAID OFF XX/XX/2020 TO PRESENT DATE OF TODAY XXXX XXXX IN A LOCK DOWN IN CALIFORNIA, WHERE I HAVE HAD the SAME JOB FOR OVER 30 YEARS. NO JUSTICE HERE WHEN I SEE ALL THESE OTHER CONSUMERS GETTING LIKE STUDENT LOAN FORGIVENESS, AND OTHER BAIL OUT OPPORTUNITY, I HAVE DISPUTED ATLEAST 4TO 5 TIMES AND REALLY GET NO ANSWER OR EXPLANATION FROM WHAT THE DISPUTE OUTCOME, BECAUSE YOU KNOW THAT THE BUREAUS WOULD NOT LET YOU DISPUTES THAT MANY TIMES IN OVER 2 MONTHS AND I PICKED OUT OF MULITABLE CHOICE, COVID-19 AS THE CAUSE FOR THE LATE PAYMENTS, AND I HAD EXPERIAN EMAIL ME ATLEAST 25 TIMES IN 2 MONTHS ACTING LIKE THEIR HELPING ME WITH UPDATES, BUT NOTHING SHOWS CREDIT SCORE IMPROVEMENT, IT IS LIKE THEY DONT KNOW WHAT TO DO, WHAT GOOD IS THE UPDATED CFPB COVID-19 PROVIDES, WHEN THEY DONT FOLLOW THE GUIDELINES, AND WHEN I DISPUTED MY 6 ACCOUNTS IT WOULD SHOW WHICH ONE I WANTED TO DISPUTE BEFORE I EVEN PICKED WHICH ONES I WANTED TO? SOMETIMES ONE OF MY COMPANIES I PICKED TO DISPUTE, AND WHEN I WENT BACK TO LOOK IT TOOK XXXX XXXX OFF AND WOULD NOT BE THEIR, IT WAS LIKE THEY WERE TRYING TO COVER FOR THEM, I JUST DIDNT KNOW WHAT HAPPENED????? I STILL DONT KNOW???
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened Citibank Account Package including both Checking Account and Saving Account at the beginning of this month and then transferred XXXX $ from my Chase checking account to that saving account. 
On the morning of XXXX XXXX, I receive an email titled " Confirmation : Your Citibank? Banking Card is now unlocked ''. But I do not receive that card. Therefore, I open my online CITI bank asap and find there is a withdrawal XXXX $ in that Saving account ( Cash Withdrawal XX/XX/12 XXXX # XXXX Citibank ATM XXXX XXXX XXXX XXXX, XXXX , CA ). I report this case to CITI online bank asap. The custom service block that card, record this case and ask me to wait for further message. 
The manager of my building says our building is broken into by thieves that morning. Mailboxes and some equipment in the hall are destructive. The thieves obtain the mail with card then unlock it and withdraw money on ATM. I have reported this incident and Identity Theft to XXXX police and IdentityTheft.gov. 
At last, CITI tells me that this withdrawal was made from your account with your Citibank Banking Card and refuse any reimbursement. The focus is the transaction is an unauthorized ( this card has been used without my permission ) instead of whether it is made from my account. 
These days, I contact custom service of CITI online bank and call servicing hotline. They refuse any reimbursement and offer any further explanations.
Consumer complaint received 2020-07-31
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MISSION FINANCIAL SERVICES CORPORATION (OK)

XXXX XXXX is reporting incorrect information such as terms, amounts, balance, origainal balance to XXXX. 
i have asked to send contract that bears my signature no response. 
they have been asked to verify no response but keep increasing there balance on loan monthly and when challenged. 
XXXX also has fail to verify information and provide such information to me on several attemps to resolve this 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
Consumer complaint received 2022-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (PA)

I called the company and the person connected me to a fraud line and I was on hold for quite a long time and was disconnected. I did not make this purchase and am concerned that other purchases will be made. I call the credit reporting companies and keep getting the recorded messages and can't talk to anyone. I am an older person and can't do all the prompts that they tell me.. when I do it takes me back to the main menu. I don't know how to stop the fraud against me and to stop further purchases or actions .I don't know how someone got my name and address. I was alerted to another activity that was stopped but I don't know how this went through.
Consumer complaint received 2022-07-23
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. (TX)

date opened : XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (TX)

I just received an updated copy of my credit report and there are some HARD INQUIRIES that I do not recognize. 


XXXX XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
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. (TX)

date opened : XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2020-07-31
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a balance of {$0.00} -This is not my account.