davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

XXXX, XXXX and Equifax have put an unauthorized Fraud Alert on my credit report. I called XXXX  and the over seas rep as VERY RUDE and should be fired. 

I am demanding that all credit bureaus remove this alert and stop putting unauthorized statements or alerts on my credit report to simply try go hurt me. This is getting old and if the alerts are not removed I will be suing them in a court of law. I will not send in proof of address or ID when I have already verified this with the bureaus via phone and security questions. They are playing games. This is what I got via email on saturday. 

ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX19. 
To change or remove this statement requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you.
Consumer complaint received 2021-11-18
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX : ID, Identity Theft report
Consumer complaint received 2021-11-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020, I made a credit card settlement agreement with Wells Fargo to make XXXX payments of {$1100.00} on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ( this settlement was based on 30 % of my outstanding debt ). Those XXXX payments would have completed my debt settlement agreement. 

On XX/XX/2020, I checked my credit report and noticed the Wells Fargo debt was still on the report. I called Wells Fargo on that day to find out why. Wells Fargo claimed I provided an incorrect checking account number when I updated my payment method on XX/XX/2020. 

The Wells Fargo agent said Wells Fargo received an account does not exist error message from my bank ( XXXX XXXX ) and that my third and final debt settlement payment was never processed. 

Wells Fargo claims I provided an incorrect checking account number. Ive repeatedly asked for a transcript or to listen to the recording but they refuse to do this. 

I was never notified by Wells Fargo that my final payment did not go through not by phone, text, no voice mail, or USPS mail. I can prove with my XXXX XXXX  statement that I had sufficient funds to make the payment. I can get it notarized if necessary. 

By the time I contacted Wells Fargo, on XX/XX/XXXX, I was told by a Wells Fargo agent that I had just missed the 30 day window to correct my payment method. I was never given the opportunity by Wells Fargo to make the correction. The agent told me I should have been monitoring my checking account to make sure the final payment went through. 

I also never received a letter by USPS mail or by email confirming the terms of the settlement agreement. 

| Various Issues | After filing a complaint on XX/XX/XXXX, I discovered Wells Fargo had my mailing address as XXXX XXXX XXXX, XXXX XXXX. I live at XXXX XXXX XXXX, XXXX XXXX. After XX/XX/XXXX, It took over XXXX months to get Wells Fargo to correct my mailing address and Ive documented the various times I asked them to correct the address. 
-- -- -- -- -- I've spent hours on the phone with Wells Fargo over the year and I created a timeline of my conversations which I presented to a bank manager at a Wells Fargo branch. She used the timeline to file a complaint on my behalf.
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (LA)

I recently reviewed my XXXX consumer credit report and notices it contained information about a dept that was reported many times but NET CREDIT. I reached out to NET CREDIT for more information regarding this and told by the representative that the dept had been sold to XXXX XXXX XXXX a Third party dept collector. While on the phone call with NET CREDIT representative i made her aware that if the original dept had been sold ( assigned ) to a third party, that the original contract was void.amd that i had not agreement and/or contact with the third party collector.Also i informed her that it being sold was theft of my identity, and it being reported to the credit bureau ( s ) was false information reported, that the third party XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had no consent to do so from I the consumer. And i request just compensation from both parties the settle the matter honorable.
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

Loan Depot, who has 3 of my mortgages, estimated costs for me to purchase a new home in XXXX XXXX, UT. When the home appraised for lower, the Loan officer called and said we would have to lower the Lon amount. He didnt mention and I didnt find out until the day of closing, that the lower loan amount meant I would be paying points ( XXXX ) to buy down the interest rate or that any discounts I was originally quoted would disappear. The loan officer wondered why no one had called to tell me this. He said his boss should have called. The loan cost me approximately an additional {$3000.00}. I was also told by the loan officer that someone would call me to discuss. No one ever did and I was held hostage the day of closing.
Consumer complaint received 2021-08-24
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 have unauthorized inquiries on my report and I need them removed. Ive filed disputes already amd now I need the removal of these items expedited. 
These following inquiries were unauthorized : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-18
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. (AR)

I disputed an XXXX account with TransUnion and while doing so I also reached out to the creditor which is XXXX XXXX XXXX XXXX XXXX ). XXXX sent documentation to me and TransUnion saying they they ( XXXX ) deleted the amount and wanted the collection removed from my credit report. I have the universal data form that XXXX sent to me and TransUnion and also the letter that XXXX XXXX XXXX XXXX XXXX XXXX sent to CFPB as a response as well. These documents will be in an attachment below. The documents was sent over to TransUnion XXXX but they are still reporting this account as a collection when indeed it should be removed IMMEDIATELY.
Consumer complaint received 2022-10-11
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB. 
Thanks in advance
Consumer complaint received 2021-11-18
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. (FL)

Earlier this year I attempted to open up a credit account with a bank and was denied because of a couple of fraudulent accounts that were created with information of mines that compromised in early 2020, I've reached out numerous time to experian in hopes to have these issues resolved but nothing has yet to come.
Consumer complaint received 2021-11-18
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. (TX)

There are four accounts reporting inaccurate information on my credit. It keeps coming back verified but still reporting inaccurately which is affecting my being approved for credit. I know credit reporting agencies are to report accurate information. Here are the accounts they are reporting inaccurately. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full since XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month. The last active date & open dates are reporting different information which are inaccurate. 

XXXX XXXX XXXX- has 120 days late payments reporting. I do not have an account or contract with them. Also, they are a 3rd party debt collection agency that should not be reporting any late payments. In addition, the account open date & last date active are reporting different information with all 3 credit bureaus.
Consumer complaint received 2021-11-18
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. (TX)

There are four accounts reporting inaccurate information on my credit. It keeps coming back verified but still reporting inaccurately which is affecting my being approved for credit. I know credit reporting agencies are to report accurate information. Here are the accounts they are reporting inaccurately. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full since XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month. The last active date & open dates are reporting different information which are inaccurate. 

XXXX XXXX XXXX- has 120 days late payments reporting. I do not have an account or contract with them. Also, they are a 3rd party debt collection agency that should not be reporting any late payments. In addition, the account open date & last date active are reporting different information with all 3 credit bureaus.
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MI)

In connection with a home purchase on XX/XX/21 we obtained a fixed rate, 30 year mortgage from Loan Depot. The " final '' Closing Disclosure that we were provided as a part of our closing package listed the Estimated Total Monthly Payment as {$3900.00} which included {$480.00} of monthly escrow funding. It also identified our Cash to Close as {$79000.00}. A little over a month later on XX/XX/21 we received a note from LoanDepot thanking us for a ( nonexistent ) inquiry and informing us that our escrow account was underfunded at close ( which, although they admit no wrongdoing, was due to their misunderstanding of the property tax system in the state of Michigan ). They also sent a revised Closing Disclosure ( despite the fact that we closed over a month ago ) that listed our Estimated Total Monthly Payment as {$4800.00}, which included {$1400.00} of monthly escrow funding, an increase of $ XXXX ( 23.3 % ), which they asked us to sign without explanation of what transpired. Over the XXXX term of the loan, this amounts to an incremental {$330000.00} that we, the borrower, will have to pay despite it being undisclosed to us prior to closing.
Consumer complaint received 2021-11-18
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. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

I received alerts on my phone of some debit card transactions that I didnt make nor recognize around XXXX eastern time on XX/XX/XXXX. I immediately at that time contacted the bank to tell them of these charges and was told that I had to wait until the transactions completed before I could dispute/report them. So I immediately froze my debit card, changed my password and other login information to my bank account. Then yesterday afternoon on XX/XX/XXXX, XXXX of the XXXX different fraudulent charges completed on my account for the merchant XXXX, XXXX charge for {$50.00} and the other for {$73.00}. So I immediately picked up the phone and filed those disputes for the XXXX transactions along with cancelling my debit card and reissuing a new one. So I wake up this morning on XX/XX/XXXX, not even XXXX hours later I receive an email stating my claim was denied, with absolutely no explanation whatsoever. If they had even bothered to investigate even further and check the other XXXX fraudulent charges that were all made within minutes of each other from a merchant called XXXX XXXX XXXX XXXX XXXX because if you XXXX this merchant you can clearly see that they have been linked to multiple fraudulent charges to other peoples debit and credit cards. This is ridiculous, my information was obviously stolen/compromised and now I am out a total of {$130.00} and I cant afford that. I live paycheck to paycheck and I rely on every cent I make to pay bills and provide for my family. Its not that hard to investigate fraudulent charges, to see they werent made by the actual customer. I want my money back. This is theft!
Consumer complaint received 2024-05-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MI)

National Credit Systems failed to meet the federal standards in its attempt to collect an illegal debt from me. Because they will not follow federal guidelines I have initiated a XXXX federal lawsuit for damages. This is your notice of estoppel until this matter is heard by a jury. You must remove your entry until you win in the court of law.
Consumer complaint received 2021-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've sent several letter in the last 60 days without a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.
Consumer complaint received 2021-11-18
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. (TX)

I sent a customer dispute 60 days ago and have not received a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX, Transunion and XXXX have put an unauthorized Fraud Alert on my credit report. I called experian and the over seas rep as VERY RUDE and should be fired. 

I am demanding that all credit bureaus remove this alert and stop putting unauthorized statements or alerts on my credit report to simply try go hurt me. This is getting old and if the alerts are not removed I will be suing them in a court of law. I will not send in proof of address or ID when I have already verified this with the bureaus via phone and security questions. They are playing games. This is what I got via email on saturday. 

ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
To change or remove this statement requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i had business account in bank of america since 2 year couple month ago someone stolen to the bank check book than he wrote XXXX totally ten different check ( XXXX something for each ) than they hold my account and they don't give me any information what I m gon na do I can't open new account from any bank i report to XXXX couple time on the phone and did application online but nobody send me e mail or any call PLS HELP ME PLS XXXX
Consumer complaint received 2018-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

This debt is XXXX XXXX and this credit card my husband used in XXXX XXXX XXXX XXXX. He passed away on XX/XX/2015. I went through probate and was told I was not responsible for his business cards. I had no business with XXXX XXXX in Minnesota