davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2018, I received a Social Security Direct Deposit into Wells Fargo Bank. Wells Fargo Bank immediately took {$530.00} from my Social Security deposit, leaving me {$160.00} to live on for the month of XXXX. I did not receive any Notice from this bank that this money from my Social Security check ( Direct Deposit ) was going to be " garnished ''. This Direct Deposit has been in effect for 8 years with Wells Fargo Bank. There was a few " undisputed '' fraudulent charges on my account at this time. My Social Security money, Direct Deposit was posted onto my account at XXXX XXXX, XX/XX/2018 and the {$530.00} was taken from my account in 1 minute. This is my only source of income. I starting getting Social Security XXXX at approximately at age XXXX years old ; due to a depilating " accidental XXXX '', leaving me with multiple XXXX XXXX causing permanent physical damage. It is my understanding that there are specific laws that protect one 's Social Security money, as the only source of income, from being " garnished ''. I would like to move forward with this issue as quickly as possible since this loss of one month 's income has impacted my quality of life substantially. Thank you. XXXX XXXX
Consumer complaint received 2018-06-07
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. (MA)

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX  ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Consumer complaint received 2023-02-22
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. (NJ)

I have attempted to remove the following inquires on several occasions with no success. 
XX/XX/XXXX XXXXXXXX XXXXXXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-22
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. (NV)

In accordance with The Fair Reporting Act the following companies has violated my right. 
XXXX Collection Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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 2021-02-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$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 XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Senex Services Corp. (TX)

I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt. They can not verfity it because of the simple fact of HIPPA law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ). VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. Thank you.
Consumer complaint received 2022-04-01
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OR)

I received a fraud allert on XXXX due to suspicious activity. At that time a new card was ordered and I reported XXXXwo charges to my account that I did not make. 
They were made on XXXX by XXXX XXXX XXXX XXXX for {$2.00} and {$3.00}. 
The cc company originally reversed those charges and then reinstated them on XX/XX/XXXX. 
I called the cc company on XX/XX/XXXX and asked for the charges to be removed since I did not make those purchases.They were made after my card information was stolen on XXXX. 
The cc company refused to remove them. 
There is alot of information online about that company XXXX XXXX XXXX XXXX XXXX XXXX.being used by skimmers to see if the card is usable. The card was not out of my possession on XXXX and I never made a credit card purchase at a vending machine. 
I want those charges removed asap. 
Thank you I
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

XXXX - When I had my loan first set up with this company they used LoanCare to process the payments. 

I had a loan number ending in XXXX I would send payments through XXXX XXXX. 

XXXX XXXX quit using loan care, so I went back to sending them payments directly They changed back to Loan Care for servicing. 
I went ahead and made the change in XXXX XXXX. What I did not realize was they changed my loan number ending in XXXX I sent them 3 payments they SAY, they can not find. XXXX XXXX and I have sent them Trace ID 's and I have sent them Proof of Payments from XXXX XXXX. They have the account numbers. I've been calling them every week since XX/XX/XXXX. 

I can not get them to credit my account with the 3 payments.
Consumer complaint received 2018-07-25
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. (MO)

The State of XXXX  Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of XXXX  Federal Court - XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from Experian, XXXX  and XXXX. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XX/XX/XXXX off of my XX/XX/XXXX Credit Report. Thank you so much.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am XXXX XXXX, and I am the author and owner of the account listed within this complaint. 

This is not a duplicate. 

This complaint is based on a Tradeline reporting on my credit report, from the Original Creditor - Capital One. This account, was opened in XXXX, and closed in XXXX. 

It is still appearing on my XXXX  report. A dispute was filed with XXXX  directly, but it remains. 

Capital One - is still sending the Tradeline, with a Last Reported date of XX/XX/XXXX in my screen shots from XXXX, and my XXXX 

The general rule for retention is - at maximum, this alleged positive account - will remain on file for 10 years. 

Its been almost 14. 

Additionally, and even though this account is closed - this tradeline is being reported as - 1. Elements of an OPEN ( not closed ) Account 2. Having Available Credit = XXXX XXXX. Credit Limit of XXXX XXXX. NO PAY HISTORY - no CLS, Pay Rating Please delete this aged out account, that is reported inaccurately to begin with.
Consumer complaint received 2018-07-25
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: EQUIFAX, INC. (LA)

I requested that a fraudulent collection be deleted from my report. 
The Collection was from XXXX XXXX, AKA XXXX, AKA XXXX XXXX XXXX XXXX. 
The debt collector refused to provide any required info to dispute this debt correctly. 
The debt collector could not be reached even by legal means. 
I submitted a prior complaint to CFPB ( Complaint number : XXXX ) and this CFPB validated that the debt collector was fraudulent as they could not even contact the collector. 
I filed a dispute with all three credit reporting agencies and the results were as follows ; XXXX - Verified as fraudulent and deleted. 
Equifax - States they verified as good, not deleted. 
XXXX - States they verified as good, not deleted. 

I am requesting that both XXXX and Equifax delete this fraudulent debt collection from my credit profile for the following reason ; Both Equifax and XXXX did not verify this debt or the collector per federal law. 
The CFPB was not able to contact this collector and as such, it was not possible for XXXX and Equifax to contact the debt collector and they did not in fact verify the debt as this debt and the collector are fraudulent. 

Please reference my previous closed CFPB complaint # XXXX I have also attached supporting documents ; XXXX Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX and Equifax Report XX/XX/2018 XXXX XXXX XXXX XXXX ( part ) # XXXX
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (LA)

During the process of speaking to the sells person at XXXX. XXXX XXXX XXXX XXXX in XXXX XXXX Louisiana, I was referred to DHI Mortgage XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I was approved for my home to be built in XX/XX/2018, we have had several appointments throughout the build and now my home is almost completed. 

in meeting with DHI Mortgage my lender, I wasn't given the initial loan estimate after the contract was executed in XX/XX/XXXX, Their was a property address issued at the time. I spoke with another lender who reviewed my credit in XX/XX/2018 and based off of my self and my wife 's income we were never able to qualify for a loan in the amount of {$230000.00} which is the amount of my purchase agreement for this loan. 
I feel like fraud was committed against us, because accurate information was not given, DHI Mortgage ran my credit multiple times, hurting my score and I was never given any domination other than the contract to purchase and some type of XXXX XXXX XXXX XXXX XXXX. I never received any information on what my estimated monthly payments would be and the amount of cash needed to close. I found out from another lender that my payments would be well over {$1200.00} per month which is what I am comfortable with. I think that was considered unfair practices, I never signed my initial loan application with loan estimate disclosure with DHI Mortgage.
Consumer complaint received 2018-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

My FHA mortgage loan is currently serviced by Chase Bank. Since I am elderly and very sick, I have advised Chase Bank that I want to proceed with a short sale. Chase Bank has refused to process my short sale documents, stating that they are going to proceed with foreclosure on XX/XX/XXXX. Chase Bank is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the short sale with transparency and clarity per the National Mortgage Settlement of XXXX. Chase Bank has refused to cooperate and is proceeding with foreclosure action on XX/XX/XXXX.  Based on the violations listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
Consumer complaint received 2018-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC (MA)

My name is XXXX XXXX. 
I visited XXXX XXXX XXXX XXXX on XX/XX/2015 to get XXXX on my XXXX in the ER. 
I was under the impression, that my insurance had covered my bill, and I didn't receive any intimation of a bill from anyone, until a couple of weeks ago, when I saw a mail from a debt collection agency, XXXX XXXX XXXX from XXXX Texas asking me to pay them for services provided in the ER. There notice and representatives stated that this debt was owed on behalf of XXXX XXXX XXXX of XXXX XXXX, but I never received any information from them asking for bill payment. When I called XXXX XXXX XXXX, they didn't show any record of me in their system. They have refused to provide me with itemized list of the costs totaling XXXX dollars, despite me asking them for a verification letter. I feel it is extremely unfair to have had the sent the bill into collections without giving me any notice of the bill and have a collection reported on my credit.
Consumer complaint received 2021-07-08
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. (AE)

I have never received any investigation results from the credit bureaus regarding the accounts I listed even though I have sent them letters multiple times : XXXX XXXX Account # XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account # : XXXX | XXXX XXXX Account # : XXXX -- XXXX XX/XX/21
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

On approximately XX/XX/XXXX, I was on my home computer and found, in the deleted e-mails, a bill for {$260.00} from Home Depot / Citibank. I knew that I had not charged this bill so I contacted Home Depot customer service. I requested that any and all bills should be mailed to my home address and not sent to my e-mail, which may not be working properly. On XX/XX/XXXX, I received a Home Depot bill for {$19.00} dated XX/XX/XXXX which I recognize as being made by me. That was the first time I had received this bill from Home Depot / Citibank. I paid the bill for {$19.00} immediately on XX/XX/XXXX, check # XXXX. I understand, from someone in XXXX whom I was directed to call to review this account, that the check was received by Home Depot / Citibank. The {$260.00} was the combined principal, interest and fines which  included the {$19.00}. 
On XX/XX/XXXX, I received a letter from Home Depot credit service saying that I was " responsible for the remaining charges ''. Home Depot / Citibank holds me responsible for charges that I never received, not by e-mail, not by regular mail and not by phone. I never received any bill in the mail or by e-mail until XX/XX/XXXX. 
I pay my bills, always and by the statement due date! I never have outstanding charges on my credit cards! I was also never informed of accumulating charges based upon the initial amount of {$19.00}. I have made a monumental effort to resolve this matter. I have spoken to many people from Citibank, Home Depot and people in XXXX, who are extremely difficult to understand. I was told to send a fax to Citibank concerning this problem. As of my last phone call on XX/XX/XXXX, Citibank has insisted that I pay the full amount of {$240.00} which is accumulated late fees and finance charges, which I paid by check today to avoid potential damages to my credit. 
The above information was faxed to Citibank  Internal Recovery,  Attention : IRU Dispute Dept. Re : Account # XXXX. They sent me a letter dated XX/XX/XXXX indicating that they required more information with a request for me to contact them. Again, when I called, I was speaking to someone in XXXX who was not cooperative and difficult to understand. Again, I got nowhere and was forced to pay the bill.
Consumer complaint received 2018-04-06
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. (GA)

I filed a dispute with XXXX and Transunion ( XX/XX/2018 ) for a Chapter XXXX bk reported on my credit to follow suit about the findings of this bankruptcy. XXXX deleted this Chapter XXXX entry on my credit report due to their findings on XXXX XXXX and I've asked XXXX and Transunion to follow suit. Their findings came back verified with no valid response. Also, I have informed them that the Bankruptcy Courts do not furnish this information to the creditors and I find that they have not investigated this thoroughly because if they did, then it would have been deleted.