davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
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. (RI)

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and NOT mine. I must have been the victim in acyber hack or identity theft. These Non Account holding inquiries with : 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 XXXX XXXX  Transunion, XXXX, are NOT mine, I do not recognize and did not authorize them. These inquiries arefraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violate the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these items effective immediately! Thanks in advance!
Consumer complaint received 2023-06-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (GA)

Global lending Services has been calling me twice a day for over 9 days straight now, sometimes after XXXX. They have even started calling my family members. In total they have called 18 times in the past week. This company is an outrageously unprofessional group.
Consumer complaint received 2022-01-25
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. (OH)

I send this agency and the three bureaus a certified letter stating the fair reporting act, and 15us code and asked them to remove all inaccurate... old items, fraudulent hard inquiries dating back to XX/XX/2021 ... .credit card that are closed that are still reporting..they still will not remove these items. They were to remove ALL old addresses..jobs..phone numbers etc... they still refuse!
Consumer complaint received 2022-01-25
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. (OH)

I send this agency and the three bureaus a certified letter stating the fair reporting act, and 15us code and asked them to remove all inaccurate... old items, fraudulent hard inquiries dating back to XX/XX/2021 ... .credit card that are closed that are still reporting..they still will not remove these items. They were to remove ALL old addresses..jobs..phone numbers etc... they still refuse!
Consumer complaint received 2017-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I have banked with Wells Fargo for the past 8 years until they recently closed my account due to overdraft payments and account mix ups. Apart from being over sold different saving accounts for myself, my wife and even my son I was a happy customer up until the last 6 months. I recently went through a troubled period with my wife that led to me losing my job and also my wife opening her own account to rather than use our shared account at Wells Fargo. Everything came to a head when my wife and I worked things out and she asked Wells Fargo to close the account she had recently set up. Wells Fargo closed our joint account instead which led to problems with paying in funds to our joint account and being able to withdraw any monies that were already in there. From that moment on everything went into a spiral, late fees, missed payments on bills, credit cards and no real help from any of the tellers at my local branch. Eventually the correct account was closed and the other account reopened but the damage had been done. Now there 's a {$700.00} overdraft on the account which Wells Fargo have closed which of course hit my Credit Score hard. There 's also closed Wells Fargo Credit Cards one for {$300.00} and another for {$1500.00} that are all collecting large interest penalties while I try to recover from the mix up. I 'm now back in full time employment and able to take on a reasonable debt repayment program but feel Wells Fargo are partly responsible for the accumulated costs.
Consumer complaint received 2021-11-30
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. (MI)

I filed a dispute with XXXX showing proof that I am making current payments on my account with XXXX XXXX and they refuse to update my credit report ... they claim that they investigated and that they found the information correct which it is not and by the way I paid XXXX dollars on this account my current balance should say XXXX but it says XXXX on XXXX
Consumer complaint received 2022-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION (IL)

UMB XXXX XXXX ( https : //hsa.umb.com/ ) is a predatory company that charges excessive fees for their accounts. There's a monthly fee, account maintenance fee, account closure fee, etc. 

Please fine them into oblivion for their XXXX business practices that simply steal money from the workers of this country and funnel it to executives.
Consumer complaint received 2022-11-30
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. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-25
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 HAVE SUBMITTED MULTIPLE DISPUTES IN REGARD TO THIS FRAUDULENT ACCOUNT. LASR YEAR IN XXXX  THIS ACCOUNT WAS NOT ON MY CREDIT. I CONTACTED THE CREDIT BUREAUS TO RESOLVE AND THEY MENTIONED THAT THEY RECEIVED MY DISPUTES ON XX/XX/XXXX BUT WOULD NO LONGER LOOK INTO MY CONCERNS. THAT WAS TODAY XX/XX/XXXX AT XXXX EST. THIS ACCOUNT DOES NOT BELONG TO ME AND ITS A SECURED CREDIT CARD AND I HAVE NEVER HAD A SECURED CARD WITH ANYBODY AND I HAVE NEVER SIGNED ANYTHING AGREEING TO THAT AT ALL. THIS ITEM NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE ALSO SUBMITTED AN FTC REPORT AS WELL.
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

I recently sent a request to the consumer financial protection bureau on XX/XX/2021 ( Complaint No XXXX ). 

The complaint was against Hunter WARFIELD. Hunter WARFIELD responded on XX/XX/XXXX and removed the incorrect item from my credit report. After two weeks of the complaint being settled by the Consumer Financial Protection Bureau, myself, and Hunter WARFIELD the debt collection ( Hunter WARFIELD ) added the incorrect information back unto my consumer credit report and continued the collection of amortized interest monthly on my collection account that is closed ; never fixed or revolving account that reflects fixed and unsecured loan utilization rates and compounding interest.

The debt collector continues to increase the debt monthly and violate the Fair Debt Collections Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I have the amex platinum card which should provide XXXX  cash monthly. However, I haven't got it ( or can not use it ) since XX/XX/2019. I ended up paying XXXX out of my pocket. 
I contacted AMEX twice and the problems are not resolved yet.
Consumer complaint received 2020-02-11
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 — Investigation took more than 30 days
Company: CarMax, Inc. (GA)

I had an car loan with XXXX. The car was totaled and the insurance company left an XXXX balance in the account. They reported that 2 payments were late when the car was paid off already. I was never late on the payments. The car was totaled since XX/XX/2019. They received a check in XX/XX/XXXX, so how can XX/XX/XXXX and XX/XX/XXXX car payment be late. This is ridiculous and they need to remove those 2 negative remarks off my credit. I even called them to resolve this issue and the situation got worst!
Consumer complaint received 2017-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The credit agencies still have this account listed and per  XXXX  they requested it be removed. This has been listed and it needs to be removed
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mortgage Research Center, LLC (IL)

I Have Freezes On My Credit Report And So Many Different types of people And Places Looking Up My Credit Reports And Every Time I Applie For Any Type Of Credit Whether It Be Credit For A Car A Credit Card A Mortgage Its Got So Bad That I Can't Even Request Some Of My Own Credit Reports And To Of My Reports Say I Don't Have A SSN And The Other One Says I'm Dead I'm And It Makes No sense Because I'm Pretty Sure My Phone Calls Are Be Redirect I Can't Be Identified And When They Do Pull Up My Reports I'm Pretty Sure I'm Be discriminated against Because It Says On One Of My Reports That I Requested A Summary Be Put Up About Me That I Have A XXXX So Now The Cards That I Did Have Got Close By Grantor I Have Been Trying To Get A Home But There Pulling My Reports And Saying It Cant Be Optain I Feel Like I Stuck In A XXXX XXXX  I Can't Get A Single Soul To Help Me When I Know Its So Much I'm Entitled To But I'm Tired Of This I'm A XXXX Year Old Man Living With My Mom With No Car No money no Credit And No One 's Even Giving Me A Chance. Not Even The SSI Payments I Been Waiting A Year To Get The And The Judge That I Have A Civil Suit With Have Not One Time Set A Court Date The Case Is Just Sitting When My Human Rights Was Violated Its Got To The Point I Honestly Feel Like I Have Not A Hand To Be Giving No Matter How Many Phone Calls I Make How Much Time I Spend Trying To Do Everything the right Way This Life Thing Is Seriously Just Getting Harder And Harder With No Help Because I'm A Individual Nobody
Consumer complaint received 2017-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I received a loan f rom Net Credit/NC Financial    XX/XX/XXXX . Payments were withdrawn in the amount of {$230.00} from my checking account monthly to avoid a late payme nt. In   XX/XX/XXXX , I  initiated a debt management company,  XXXX   XXXX   XXXX  to help lower my debt. They received approval from  Net Credit  to lower my payments from {$230.00} to {$140.00} a month. Payments were deducted from my account monthly and dispersed  to Net Credit. In  XX/XX/XXXX , I received an alert on my credit report stating I was 30 days past due. I contacted Net Credit to see w hy they contacted  XXXX  and stated I was late when my payments are sent directly to them. I was advised that although I was going through a debt management company and paying {$140.00} a month, I was still responsible for the additional {$86.00} per month and should have sent it to them. They started reported that I was late and I owe them a balance of {$250.00}. I told them that there was an agreement that they accepted with  XXXX   XXXX   XXXX  for {$140.00} a month and they were getting paid every month so I was not past due. She stated that I was correct but I am still obligated to the original contract for {$230.00} a month and they will not fix it. I also sp oke to a manager which they advised me of the same thing. I told the manager if this was an issue, then they should not have approved the payment plan for {$140.00} a month. She apologized and still said there  was nothing she could do. I contacted  XXXX   XXXX   XXXX  and requested a copy of the signed agreement and got it forwarded to me. I also made a dispute with   XXXX   to get the late payment removed from my credit report.
Consumer complaint received 2020-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested an investigation into and validation of various questionable accounts on my credit report. The results came back with some of the questionable accounts being verified. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into, and validation, of various questionable accounts on my credit report. I asked for the method of verification and supporting documents validating the accounts as being accurate. I was provided neither. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into and validation of various questionable accounts on my credit report. I again asked for the method of verification and supporting documents validating the accounts as being accurate. Once again, I was provided neither. 

As of XX/XX/XXXX the questionable accounts have not been validated but still remain on my credit report.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Equifax Credit Bureau has continued to display my name incorrectly on my credit file. There is a suffix " XXXX   '' next to my last name that reads as : XXXX XXXX XXXX, XXXX Over the past 4 years, XXXX, XXXX, XXXX, XXXX I've sent in numerous requests with supporting documentation as proof to show Equifax that the " XXXX '' is NOT a part of my name and it's still being displayed as such. It's creating a lot of problems for me when I seek employment and also with the Department of Motor Vehicle and when I file my income taxes. I need some assistance because no corrections have been made to my credit file so I am seeking help from the CFPB. FYI, I have two confirmation numbers that pertains to this issue. The Confirmation # XXXX is with the incorrect name that's being displayed and the Confirmation Number is : XXXX is the one requesting Equifax to once again, remove the " XXXX '' from my name. I really would like for this to be removed because again it's creating a lot issues me when I'm conducting business in my every day life. Thank you for your attention to this ongoing matter.
Consumer complaint received 2020-02-11
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested an investigation into and validation of various questionable accounts on my credit report. The results came back with some of the questionable accounts being verified. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into, and validation, of various questionable accounts on my credit report. I asked for the method of verification and supporting documents validating the accounts as being accurate. I was provided neither. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into and validation of various questionable accounts on my credit report. I again asked for the method of verification and supporting documents validating the accounts as being accurate. Once again, I was provided neither. 

As of XX/XX/XXXX the questionable accounts have not been validated but still remain on my credit report.
Consumer complaint received 2022-01-25
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 a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

In XX/XX/2019, I submitted to all 3 credit bureaus to remove a collection in the amount of {$2000.00}. This collection is not mine. I do not owe this debt. I do not know who this creditor is, and after months of trying to remove through mailing out dispute letters, this continues to be on my report. On my reports that I recently ordered, it shows the name as " National Credit Systems. '' I have no knowledge of what this debt is in relation to, and am asking that it be removed because this does NOT belong to me. I was also informed by the credit bureaus that my data was breached in all 3 bureaus. XXXX  I believe recently removed it about 1 to 2 months ago. However, XXXX  and XXXX  still have this debt on my reports. This has caused me issues in being able to acquire new credit and a suitable apartment to move into. I have been homeless for years and this debt has caused me to lose many opportunities with finding a new home, and has impacted my job search in the past as well. Please have this removed asap from all bureaus. Thank you.
Consumer complaint received 2015-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: DISCOVER BANK (TX)

I applied for refinance with XXXX XXXX XXXX, rep was XXXX XXXX NMLS # XXXX ( XXXX, CA ) in XXXX 2015. Simple transaction. Company took two ( 2 ) months to process, did n't respond to questions, kept getting bounced around to several people during underwriting without any explanation, kept asking for repeated documentation proving income, which I provided. Documentation exceeded any reasonableness, something was n't right with their procedures and processes. 

I kept having to threaten to cancel the application and go elsewhere, then Discover rep would call and last minute and say everything was ok and not to worry, while time was wasting away when I could have gone elsewhere. XX/XX/XXXX rep XXXX told me all documents were ok and I was approved and to set closing date and asked to be put in touch with my closing agency. Then the rep and company people involved went missing again, no response to emails, meanwhile my intent to close in XXXX was at risk with fixed rate. I sent dozens of emails over course of three weeks. 

Company then mass emailed me and other consumers saying the Company had " ceased '' lending operations ( went out of business ) but would process my loan as I was already in the system. But, then rep then called that same day and said my application would n't be processed. Insanity. This is the most inept company I 've ever dealt with in my experience in mortgage lending, absolutely disgraceful experience. Total mismanagement. I would avoid having any business with " Discover '' if in the company name. The company and reps should be reprimanded for their poor and sloppy performances in providing service. Company still owes me refund for {$400.00} for appraisal.
Consumer complaint received 2022-01-25
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. (PA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.