davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
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)

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX, XXXX ( Original Creditor : 12 XXXX XXXX   XXXX XXXX ) XXXX
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

When my account reached XXXX dollars I added funds to it however right after I deposited that they charged an overdraft fee if {$35.00}. Then I turn around and again they do the same. Contacted customer support about this but they were so rude and dismissive. They muted the call, spoke over me and refused to answer any concerns. They are such a bad institution that does a big disservice to people and they are fraud
Consumer complaint received 2019-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A USPS certified receipt mail letter was sent to TransUnion and delivered on Monday, XX/XX/2019 requesting validation of debt from a company called XXXX XXXX. In my request for validation, I reminded TransUnion that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested  records which prove/show that the debt is indeed mine that were given to Experian to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt. 

Instead, on XX/XX/2019, the company sent me their investigation results to my dispute stated the information was investigated and that the debt was " verified '' as accurate ( with no paperwork ). TransUnion is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of all of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (LA)

I have filed a suit against XXXX XXXX concerning my home. The note and mortgage was cancelled in XXXX of XXXX. XXXX XXXX seven years later tried to claim the note. I have filed complaints against them several times with your agency ( CFPB ).  Since then I found out between the months of XXXX and XXXX of XXXX. They filed foreclosure against me and in return I filed a suit that is pending. Around XXXX of XXXX, XXXX XXXX claim they sold the note to XXXX XXXX XXXX. I also filed a complaint with your agency ( CFPB ) against them also. During my suit I requested Temporary Restraining Order ( TRO ) until we could solve our disputes. They then removed my case from District Court to Federal Court around XX/XX/XXXX. I requested a TRO with the Federal Court but It was less than a week before the foreclosure and I had to file Chapter XXXX Bankruptcy. My case is still pending, but while the issues of this suit is still active XXXX XXXX XXXXXXXX sold the note to Caliber Home loans. I have filed around five Qualified Written Request to put them on notice that I do not have a contract with them and my note and mortgage is cancelled. 
I now believe all of the Servicers of this ghost loan is defrauding me. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and Caliber Home Loans. 

I am now filing this complaint against Caliber Home Loans, because of Mortgage XXXX and Fraudulent conveyances. I have no contract with them and owe them nothing. They continue to harass me and violate the RESPA rules.
Consumer complaint received 2019-07-03
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. (SC)

I have two accounts that have been paid/ settled. XXXX/XXXX and XXXX/XXXX both accounts have been disputed three times I even included a letter from the creditor as proof. They continue to report as charged off and it's hurting my credit score. I have now reported both companies to the XXXX in hopes of getting this corrected. I don't know what else to do. Please help me
Consumer complaint received 2019-07-03
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: WELLS FARGO & COMPANY (SC)

I have two accounts that have been paid/ settled. XXXX and WFXXXX   both accounts have been disputed three times I even included a letter from the creditor as proof. They continue to report as charged off and it's hurting my credit score. I have now reported both companies to the XXXX in hopes of getting this corrected. I don't know what else to do. Please help me
Consumer complaint received 2019-07-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (KY)

XX/XX/2019 I noticed a late payment reported by FedLoans. I have not had any contact with this company about a payment or had received a notification regarding a payment due. I had a loan payment agreement with XXXX XXXX. After making payments with them to process the loan they were involved in a lawsuit and my payments were no longer taken from my bank account. Then I noticed on my credit report that I was late on a {$20.00} payment with Fedloan which I was never notified of. I then contacted Fedloan to see how and what the late payment was from they stated they had sent a notice to me and I was late for my student loan. They never established a payment agreement of any kind nor had they ever contacted me for this payment. I have since tried disputing the incorrect reporting and Fedloan processed my dispute as I did have a loan and the loan did belong to me. I never disputed having a loan I disputed Fedloan establishing a payment agreement without my knowledge or consent. The representative at Fedloan states they sent a letter to me but they did not have my address verified nor did they provide any proof any letters were ever sent.This has made a negative impact on my credit.
Consumer complaint received 2019-07-03
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. (FL)

Two accounts on my credit profile are continuing to show wrong status & account balance. I have contacted the credit bureau before. 

XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I've had my fifth third credit card account on auto pay for the last 12 months and I just checked my credit and it says that i have a 30 day late payment on the credit card. The money was taken out of the account and paid. It should not be appearing as a late fee on my credit report.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Sometime in XX/XX/XXXX a Wells Fargo Credit card was sent to me in the mail. I don't remember applying for the credit card. Wells Fargo opened the card under my name without my consent. But I decided to keep the card open because of the cash back points. I mentioned this to a Wells Fargo Rep a few days ago, and they closed my credit card. Erasing a 3 year tradeline on my credit bureau & running down my credit. I called the Wells Fargo fraud department on Friday XX/XX/XXXX. And the Wells Fargo rep said they would rush a new card & that I would receive it Monday. Monday come around & I receive NO card. So I called the Fraud department back and they said that I would have to go into a Wells Fargo branch to show my ID. So I went into the Wells Fargo Branch on Monday XX/XX/XXXX with my ID 's. The Wells Fargo banker called the credit card support help. And after one hour inside the branch they said the card is closed. Wells Fargo has wasted my time, ruined my credit, and committed FRAUD. Wells Fargo is an unethical company. With unethically employees. They told be if I want the card back that I would have to apply for it. So I applied for it officially. And Wells Fargo declined me because the inquiries on my credit bureau. My credit is good, but they said the inquires is why the declined me. Wells Fargo will only approve me for a card when they fraudulently open one under my name. I have consulted with an attorney from my wife 's law firm who said if there is a case she will take it pro bono for the experience. If Wells Fargo does not resolve this Legal action is coming.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

There are 2 charges on my credit report - XXXX XXXX XXXX & IQ Data International both claiming I owe money. 

IQ Data Int - original lender XXXX XXXX XXXX XXXX - {$3500.00} XXXX XXXX XXXX - original lender XXXX XXXX XXXX XXXX - {$3500.00} Apartment fraud - XXXX filed 2 charges, never provided final move out notice per leasing agent. 

This apartment agreed to terminate my lease with a move out fee, which I submitted by personal check in XX/XX/2016 but was told I had to wait for final move out notice. The new company I went to work for agreed to pay my relocation charges, and made sure my package included this amount. The final move out balance check was never cashed by XXXX and then an employee of XXXX provided my estranged ex husband with my new address while under investigation for XXXX   XXXX after my bank records were audited during the divorce. My ex husband learned my wearabouts because of XXXX XXXX XXXX XXXX and began XXXX XXXX XXXX XXXX XXXXl XXXX again!!!! Most unethical place ever!!!! I am homeless and now have 2 creditors calling me for the same charge. This needs to be resolved as no one ever gave me the final invoice and the apartment violated the family protection act.
Consumer complaint received 2019-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A XXXX certified receipt mail letter was sent to TransUnion and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded TransUnion that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to TransUnion to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. As of today, XX/XX/2019, TransUnion has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, the company updated my credit report stating that the item was investigated and verified as accurate. The debt listed was not changed because TransUnion " verified '' ( with no paperwork ) that the information reported was accurate. TransUnion is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself provided by XXXX XXXX. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Consumer complaint received 2019-07-03
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: SYNCHRONY FINANCIAL (SC)

I have two accounts that have been paid/ settled. Syncb/Walmart and XXXX/XXXX both accounts have been disputed three times I even included a letter from the creditor as proof. They continue to report as charged off and it's hurting my credit score. I have now reported both companies to the XXXX in hopes of getting this corrected. I don't know what else to do. Please help me
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My credit report thru experian states a debt with XXXX XXXX. There are a couple issues which I have repeatedly attempted to address with XXXX over the past several years and recently Experian. States that in XX/XX/XXXX an account was opened by me. In fact I was going through a divorce and my ex husband went into XXXX and split a joint account without my authorization which opened a new account in my name without my signature or authorization. Upon our divorce I discovered this and included debt in joint bankruptcy. My attorney was XXXX XXXX of XXXX Indiana and Case Number XXXX of the XXXX XXXX of Indiana Bankruptcy Court. I repeatedly addressed the issue with XXXX to no resolve and have never been supplied with a copy of the contract signed or identification used in opening account. Both requested multiple times. XXXX and XXXX of XXXX requested dispute through Experian explaining all issues and they stated account verified but again no documentation or verification method and identifiation has been sent to me after 2 attempts to get this item removed from my credit report. It is a false account and even though it was not my account included in a bankruptcy as it was my ex husbands false and unverified doing.
Consumer complaint received 2019-07-03
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. (TX)

Starting 2 years ago I started seeing a XXXX XXXX address on my list of addresses. I knew this was incorrect and tried to dispute it to no avail. I left it alone until I went to XXXX XXXX and looked up XXXX XXXX XXXX. Well lo and behold there is a XXXX XXXX XXXX ( which is my name as well ) living in XXXX XXXX, TX. 
So a few months down the road I am checking my credit report and it is claiming I have opened accounts that are not mine, and loans that are not mine. I went to dispute them but could not pass the identity questions because I don't have a car loan-she does- I don't have a retail credit card- she does so I was locked out. I finally called and spoke to someone at XXXX  and explained the problem and they said I would have to fax them a picture of my drivers license, social security card, and a bill. I did this. When they sent my results to me they sent it in an email and with the same identity questions, I ALWAYS FAIL.NOW, THEY WON'T SPEAK TO ME ON THE PHONE REGARDING THE ISSUE BECAUSE OF PROTECTING MY IDENTITY. IT HAS NOW SPREAD TO ALL 3 AGENCIES.
Consumer complaint received 2019-07-03
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. (TX)

Starting 2 years ago I started seeing a XXXX XXXX address on my list of addresses. I knew this was incorrect and tried to dispute it to no avail. I left it alone until I went to XXXX XXXX and looked up XXXX XXXX XXXX. Well lo and behold there is a XXXX XXXX XXXX ( which is my name as well ) living in XXXX XXXX, TX. 
So a few months down the road I am checking my credit report and it is claiming I have opened accounts that are not mine, and loans that are not mine. I went to dispute them but could not pass the identity questions because I don't have a car loan-she does- I don't have a retail credit card- she does so I was locked out. I finally called and spoke to someone at Transunion and explained the problem and they said I would have to fax them a picture of my drivers license, social security card, and a bill. I did this. When they sent my results to me they sent it in an email and with the same identity questions, I ALWAYS FAIL.NOW, THEY WON'T SPEAK TO ME ON THE PHONE REGARDING THE ISSUE BECAUSE OF PROTECTING MY IDENTITY. IT HAS NOW SPREAD TO ALL 3 AGENCIES.
Consumer complaint received 2023-03-20
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021 I got SIM swapped from XXXX. The intruder was able to hack my emails and also get into my Coinbase account. He was able to change my password and also change my 2FA verification settings with XXXX authenticator so I do not have access to the account. That person also made an unauthorized transfer to an unknown digital wallet worth almost {$50000.00} of my LINK tokens. I was able to disable my Coinbase account online since they do not have a live agent you can speak to when you call the customer service number. This is the worst financial company out there. Since that day I have been sending them complaints and emails and filling out incident reports on their support website. All i get is automated replies. My email address on my Coinbase account is XXXX. Please I need help. I do not know how this happened. I do not have access to my account. How can this be legal?? I have been reading that there is a whole lot of people also trying to get communicated with Coinbase and they can not get a hold of anybody. How can this keep happening????? I filed a police report but that is no help either. They do not do anything to help. Nobody seems to do anything
Consumer complaint received 2019-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late from XX/XX/XXXX to XX/XX/XXXX.