davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

We recently requested copies of our Escrow Review Statements, as well as copies of all account transactions occurring with our loan for the past three years. After reviewing the documentation, we have found that Wells Fargo is in breach of contract. The original terms of our escrow account and shortfall established by Wells Fargo Home Mortgage was for 60 months. This is confirmed in a previous Escrow Review Statement, dated XXXX XXXX. The Escrow Review Statement dated XXXX XXXX, XXXX now states our shortfall is to be paid in 12 months. The revised shortfall also includes mortgage insurance, which we have opted out and do not pay through escrow. 
We have a 60-month agreement that is not being honored. The demand for a change to 12 months is now a breach of that agreement. 
On XXXX XXXX, XXXX we sent Wells Fargo a letter describing the current breach of contract with us on our loan. On XXXX XXXX, XXXX we received a letter stating that they needed more time and that we should hear from them by XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received a letter describing what they already knew regarding our mortgage insurance, but the breach of contract with the escrow account was not addressed in that letter and we have yet to receive any additional correspondence from them.
Consumer complaint received 2021-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Theres unauthorized inquiries on my credit report and I would like to have them removed XXXX removed these disputed inquiries but XXXX  and TransUnion hasnt all three credit bureaus are reporting different inquiries
Consumer complaint received 2020-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a fraudulent charge on my Capitol One credit card on XX/XX/XXXX from a merchant XXXX charge # XXXX for {$29.00}, I called Capital one and they cancelled my card and issued me a replacement card at which was fraudulently charged again my merchant XXXX charge # XXXX for {$29.00} on XX/XX/XXXX. I called both Capitol One and XXXX to inform of this fraudulent charge and Capitol One cancelled the card and reissued me a new one on  XX/XX/XXXX, at this point I lock the card in the Capitol One app. The Capitol One rep stated that MasterCard was probably releasing my updated card info to XXXX to be charged and stated that I should contact them. I contacted MasterCard and they stated Capitol One would be the entity that needed to handle my compromised info. I contacted XXXX merchant to advise my card was being charged fraudulently by their company by a user at which the XXXX rep stated they shut down the users account and marked it as fraud. On XX/XX/XXXX I receive an email notification that a {$29.00} XXXX charge # XXXX was attempted on my newly issued card Capitol One had issued me on XX/XX/XXXX that I had not yet received by the mail however the charge did not go through because I had locked the card. I called Capitol One and they stated they would complete a form to " block '' charges from the company XXXX from charging my card and it could take 5 business days. They did not cancel my card not that it would do any good since somehow someone is still obtaining my card info to charge. The Capitol one rep stated that the person fraudulently using my card possibly has my routing and account number for my Credit Card so no matter how many times I change my card number they still have access to my account. This is absurd, I have since had another email notification that this person whoever it may be has attempted to charge my card on XX/XX/XXXX in the amount of {$29.00} XXXX Charge # XXXX
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (MI)

A fraudulent purchase was made on my Target XXXX. Someone posing as XXXX got access to our computer.The phone number was the XXXX #. The man calling had an XXXX accent, just like many of the tech 's at XXXX, and you could hear other operators in the background.They said there was something wrong with the wi.fi and security with it. I don't understand all things about a computer. They wanted the wi-fi password. I do not know it to this day. They said the computer was compromised.Target happened to be sending on-line credit card statements to me even though I have always wanted paper statements only.The hacker asked for passwords to that acct. and a couple others. I didn't know the passwords.They said it didn't matter, it would just take longer and be harder to get access. The man was reciting e-mails to me and the screens were flying by. I was getting scared and angry.I called my sons and they said to shut down the computer. The hackers had control and I couldn't scroll or do anything. My son said to unplug it, so I did. During that time they bought a {$200.00} gift card.I don't like to pay bills on-line or do on-line banking. Only in an emergency, like when I had XXXX and couldn't get around.. At the time I didn't know the security protection had lapsed. Mainly the malware protection.I called Target and other institutions immediately and had acct.s frozen. Target was the one to tell me to call the 3 credit bureaus, which I did. The next day the man called, my son answered the phone and the man said his name was XXXX.He told my son he wanted to talk to me because he wasn't finished. My son hung up. We got a few more calls from XXXX. I did call XXXX on the XXXX and they said they did not call us, and didn't offer any advice or help.
Consumer complaint received 2020-05-06
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: ONEMAIN FINANCE CORPORATION (TX)

I did not authorize anyone employed by One Main Financial, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).
Consumer complaint received 2023-01-31
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. (CT)

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. 

Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, # XXXX Account name XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2020-05-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MI)

I am in the process of refinancing my mortgage. I pulled my XXXX credit report and discovered my credit scores dropped from XXXX to XXXX. Upon further review of my credit report, I discovered that on XX/XX/2020, XXXX sold a {$78.00} medical debt to : Credit Collection Service P.O. Box XXXX XXXX MA XXXX Credit Collection Service reported a {$78.00} unpaid medical bill ( for lab results ) to XXXX. I reviewed my  XXXX invoices to try and match the Account/Invoice numbers with my XXXX invoices, and could not find a match. On XX/XX/2020, I called XXXX at XXXX Billing and spoke with XXXX. I gave XXXX the Invoice # s and amount owed XXXX {$78.00} ). I stated that it is a violation of the HIPAA law to report outstanding medical debt, and asked why it was reported to XXXX credit bureau. XXXX checked and could not find a match. She also stated they didn't care about violating HIPAA laws and that they report everything, a instructed me to call the Credit Collection Service. I have left messages on XXXX.20 and XXXX20 and have not received a return call. The Lender ( XXXX XXXX ) will not proceed with my refi until the debt is removed.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, # XXXX Account name XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My personal information has been exposed in various data breaches and someone was able to successfully open accounts for goods, services, or money that were unauthorized. None of the information is accurate and should be removed immediately because my reputation with the banking system is being ruined.This is ruining my chances of being approved for a mortgage.
Consumer complaint received 2020-05-06
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SHM Holdings, LLC (CA)

Ive been denied a {>= $1,000,000} mortgage refinance by strong home mortgage underwriters appraised at {$1.00} XXXX dollars because of my deffered compensation retirement income. I was told that my three remaining years was not enough to qualify for the loan. Im over XXXX XXXX XXXX and they did not use my XXXX income which is set up over a period of 23 years. I started the loan process beginning of XXXX of 2020 and locked in a 2.62 % loan. I was notified in the first week of XXXX that I was denied the loan. It took strong home mortgage underwriters five months to come to the decision to deny my loan. In the meantime interest rates have gone up. I really believe Ive been discriminated against because of my age. I have excellent credit more than enough retirement income and excellent cash flow and assets to have qualify for the loan.
Consumer complaint received 2020-09-21
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: CarMax, Inc. (OH)

On XXXX of 2019 I reached out to CarMax used car dealership and worked with a salesman who was to assist with finding a vehicle for me. I explained I had never financed a vehicle before and owned all vehicles previously out right. I was unable to meet in person and provided my social security number, along with other information to find a loan that was within reason financially. I specifically asked that I not have more than two hard inquiries on my report and was told that the credit bureau would recognize me looking for a car and only count the inquiries as one, that was a lie. It was 17! I expressed my dissatisfaction and concern with management and was told the same lie. In first applying my credit score was XXXX and by the time they were done my credit score was XXXX! This companies practice was abusive and deceitful in forcing me to have to choose a vehicle through them because I was unable to go anywhere else once my credit score was dropped so drastically. When expressing my concerns, I was repeatedly lied to about the effect this would have on me. My credit score is horrible and Ive been denied for school loans, increases on credit limits with my financial institutions and I am enduring a financial hardship with the insanely high monthly payments. I then began having issues with the vehicle while under warranty at XXXX miles and was refused a loaner and was told I wasnt covered under the extended warranty that was purchased. Consumers should NEVER need to endure this type of predatory and deceptive behavior.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Admin Recovery, LLC (MA)

XXXX XXXX which is with XXXX XXXX originally. It is with admin recovery now I paid in full XXXX XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called XXXX on XXXX XXXX 2017 they said to call admin recovery to do it. Admin recovery said the opposite that XXXX XXXX XXXX has to update it because they were the original lender. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX
Consumer complaint received 2020-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (VA)

Hello, I reported Cascade Receivables Management to you earlier this year about debt they're trying to collect on behalf of XXXX XXXX XXXX XXXX. At that time, I was told that they had discharged the debt from my accounts since I'd never received any bills or past-due notices for these hospital charges. Once again this weekend, I received yet another attempt from them to collect more debt, which is more than three years after I was hospitalized. So, this is abuse in my opinion, and I would appreciate your taking action to make them CEASE and DESIST any and all collection attempts for anyone related to the XXXX XXXX XXXX. Thank you.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I received a credit report dated XX/XX/2020 with confirmation number XXXX. On this reports the information supplied was in reference to a dispute. Equifax returned the report showing the former address removed. The Issue is on my digital report I have confirmed by using to services still show this information on my Equifax credit report. have been working to have information on my credit report to report accurately. Please find the attached information, a copy supplied to me by Equifax that shows the information in question deleted on the report supplied. The information is still published on my credit reported and would like it removed immediately.
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I called Capital One about transferring money from my checking account to an account in XXXX. The representative was very helpful at first, guiding me to the proper link on the bank 's website. It clearly stated that international transfers were permitted for a {$30.00} fee. As I was about to hang-up, the representative said that something " had just come up on her screen '' saying that I was prohibited from making ANY international transfers. I informed her that the website said that I could. Her response, again, was that this information " just appeared. '' I told her that this was suspicious and too convenient. When I asked her why I couldn't, she informed me that she'd have to transfer me to another department and the hold time would be long. I don't have time to be on hold all afternoon. I have NEVER had an issue transferring money overseas in the past. Even if Capital One has the right to deny the transfer, they have an ethical obligation to inform me as to the reason for the denial.
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

I am a XXXX XXXX XXXX XXXX XXXX. Ever since I got out the XXXX it has been a slow progression of falling behind with slight catching up then falling back behind. There are a couple financial institutions that I have been with for years that I have been having issues with. But, this company just closed my account for lack of payment. I have been with them for the last 15 years. Let alone they call 3 times a day after I already told them my situation. It has been difficult to find a job to cover all my expenses, since the loss of my military income. I make maybe half of what I use to me. So, they have closed my account. This was also a huge hit on my credit report. How can you have such a long good standing with a company and they do n't help you out!?
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have reached out to company sent 3 letters I received no reply, in regards to this account.my dad and I have the exact same name & my grandpa. THIS ACCOUNT COMING TO ME AND ITS NOT MINE, ALSO I WAS ROBBED AT GUNPOINT MY WALLET WAS STOLEN WHICH CONTAINED MY DL, SS CARD, CREDIT CARDS & ETC WAS STOLEN I AM NOT SURE HOW THIS ACCOUNT WAS OPENED BUT I KNOW ITS NOT MINE .THEY NEED TO DELETE THIS RUNNING MY CREDIT, SEND ME THE PAPERWORK FOR THE ACCOUNT I KNOW THE SIGNATURES WILL NOT MATCH BECAUSE THE ACCOUNT WASNT OPENED BY ME
Consumer complaint received 2020-05-06
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: LEXISNEXIS (OH)

The credit bureau Lexis Nexis has refused to rectify an inaccuracy on my credit report. After filing a dispute, they claimed to have went through the entire investigation and found that their report was correct.

However, I personally reached out to the source ( the court ) and had them call to try and fix the issue. I had two representatives from the court prove and debate that information being reported was false. Moreover, Lexis Nexis representatives refused to put a supervisor on the phone on XX/XX/2020. Lastly, the Municipal court and I asked them if an identifier document was provided prior to adding the claim to a credit report. They refused to answer this question, too. It is unlawful for a company to place any claims on a credit report without an identifier document. 

This company 's processes and customer service is not sufficient to provide the proper care.