davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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 sent a letter back in XXXX of 2022 and today as well to remove the incorrect addresses off of my consumer report. According to the Fair Credit Reporting Act 12 USC 1681. I have a right to privacy. Also according to 15 USC 6802. Financial institutions are not supposed to share my information to third party people nor are they suppose to report inaccuracies. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-19
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. (CA)

Upon checking my credit report around XX/XX/2023 I noticed that there was a hard inquiry on my credit report by XXXX ( XXXX  ). The hard inquiry was made on XX/XX/2023. I tried calling Transunion and explaining to someone who barely spoke any English that I did not apply for any type of credit with XXXX. That I did NOT authorize that hard inquiry on the XXXX of XXXX. She then gave me the run around about how this inquiry was " legitimate '' and to file a complain with the cfpb if I did not like Transunion 's policy. I want to make it very clear that the hard inquiry pulled by XXXX ( XXXX  ) on XX/XX/2023 was NOT authorized by me. It is FRAUDULENT. I am formerly requesting it be removed from my credit file-report.
Consumer complaint received 2020-09-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (LA)

Ally Financial failed to give me proper validation of this debt. 

I mailed Ally Financial a debt validation request on XX/XX/2020 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

resurgent capital services is the same as lvnv funding I have contacted both of them several times asking them to provide with the written contract that I have with resurgent or lvnv funding that shows i went into agreement with them for whatever it is that they say i owe them for. they have not deliver. these XXXX companies constantly harass me with letters just saying i owe this debt that i do not. i have had identity theft its listed on my credit report and im trying to put my life back together
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NY)

This bank is horrible with me they refuse to approve me or process my applications I also wanted to Know when they will upgrade their cards to tap pay go contactless its time they offer latest card technology like XXXX and USA every bank is starting it but they arent
Consumer complaint received 2020-09-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have a loan with XXXX  XXXX XXXX XXXX, XXXX, and PORTFOLIO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and PORTFOLIO with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX an international wire transfer started from a bank in the XXXX to my USA bank account for the amount of XXXXGBP approx XXXX USD The money has not arrived in my account in the USA and the banks involved are not providing information on where the money is. 

A trace was placed on the wire transfer on XXXX. Each bank involved claims they have no information The banks involved are CITI bank, XXXX XXXX and XXXX XXXX It is now 10 days and the money is not accounted for. I have all the transaction details and can provide that to you for help.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IL)

I have debts from XXXX to XXXX with Comenity Bank, XXXXXXXX XXXX, and XXXX XXXX, that I know nothing of. I would like to get these off my credit file, because they are ruining my credit score.
Consumer complaint received 2018-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NC)

AN ACCOUNT KNOWN AS WELLS FARGO CREDIT CARD SERVICE HAS A CLOSED ACCOUNT SHOWING ON MY CREDIT REPORT THAT WAS OPENED ON XX/XX/XXXX, AND CLOSED XX/XX/. THERE IS NO MONEY OR DEBT OWED.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

XXXX/Wells Fargo can not veriFYI this debt. I have called and sent letters requesting payment history an all relevant information regarding this account and had been ignored. .Yet, they continue to report to the XXXX Crdue Bureau monthly. This debt dies not belong to me. Please remove from my account immediately, as this is impacting my life.
Consumer complaint received 2020-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (OH)

First of all, my wife opened this account for special financing on her XXXX XXXX in which we setup the account for her paying {$150.00} each month from her credit union then I also decided to help make extra payments of {$87.00} from my bank account to help achieve the special interest free rate for her XXXX XXXX for 18 months! 
On XX/XX/XXXX ; we have observed that {$230.00} was taken out of BOTH accounts as we attended to the special rate and assumed 18 months interest free to help pay it off! 
After the first month we double checked to make sure that {$230.00} was taken out to achieve the special rate of interest free for 18 months! 
For some apparent reason ( after the first payment of {$230.00} taken out ) ; someone decided on their own ( Wells Fargo end ) to only take out {$150.00} TOTAL for payments on the account ending XXXX! 
Dont understand that I setup a payment of {$87.00} ( payment from my bank account as an extra ) was credited but ONLY {$63.00} was taken out of XXXX credit union instead of the {$150.00} ( which we were unaware ) as we planned on the special interest rate for the XXXX XXXX XXXXor 18 months! 
Needless to say, my wife informed me in late XXXX that her account was still deducting {$150.00} since XX/XX/XXXX! 
How is that possible when it was paid off in XX/XX/XXXX ; believed we had special interest free for 18 months financing? Then we discovered what had happened with the mix-up on payments! I immediately called WELLS FARGO and it finally was address to you! 
We would like to ask you for reconsideration for total payment made in FULL of {$1000.00} ( Balance is XX/XX/XXXX = {$1600.00} plus payments of {$600.00} in XXXX. 
After numerous calls to executive personals~ two of them ~~~ first one would NOT return my calls ; second one emailed once but sent a letter out US postal ( not received ) then called again yesterday and was told to pay {$1300.00} by XXXX XXXX to close this account! 
I figured we are paying an extra {$780.00} interest/finance charge for 18 month interest fee for XXXX XXXX purchased! 
I have had couple of loans through Wells Fargo with no issues and attempted to help my wife credit score raised but someone at Wells Fargo decided to change the payments that was set up on their own without permission then raised the deduction back on their own to continue paying original amount! We feel it was not our fault on their changing monies deducted on their own and we are being penalized for it! 
We are definitely tired of dealing with this fiasco and might send the check to payoff this excessive fees with Wells Fargo does NOT want to help XXXX XXXX in any way or form! 
PS : Still waiting for letter from second executive via US Postal Service which was mailed XX/XX/XXXX
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (OK)

When attempting to login to my GoProgram card to check the balance of my Oklahoma Unemployment Benefits I was unable to login and was notified that my account had been suspended due to suspected fraudulent activity and was directed to call the 800 number on the back of the card. I have attempted to reach somebody at the 800 number 4 times thus far and wait on hold for 2 - 2.5 hours and then I am disconnected by their phone system. I am still unable to access my benefits and haven't been able to purchase  food for my family on XX/XX/XXXX and I am afraid I will be unable to on XX/XX/XXXX.
Consumer complaint received 2021-02-10
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. (FL)

I submitted a credit application with XXXX XXXX XXXX XXXX for an auto lease which I was well qualified for and received, however, shortly after receiving the vehicle I received a notification from one of my credit cards that also does credit monitoring that there was a change to my credit report. When I investigated further I saw that the dealership had done a hard pull of my credit EIGHT times. As a result my credit score dropped over 30 points. I immediately contacted my sales representative with a detailed accounting of what occurred including a screenshot of the problem and asked for him to have his financial manager contact me immediately. Instead the salesman text messaged my husband ( who was not even on the loan ) to tell him they were working on it. A week later my husband reached out to the salesman for an update as we had not heard anything. His response was they were still working on it. A week after that I wrote another very direct email to the salesman asking for them to contact me only and letting them know I would be taking harsher measures if I did not receive a communication from them as to what was happening to rectify the continued pulls to my credit. I received an email back and call from the salesman followed by a call from their credit manager stating they were working on the problem which seemed to be some glitch in their automated system that kept putting my information back into the system for a credit check. He told me it might take months for them to get it rectified with the credit agency. I told him that was completely unacceptable and I expected it would be rectified in a matter of days. I never received any more communications after even though I have emailed 2 more times asking for an update. I also called XXXX XXXX XXXX directly and they were unable to assist me as they were unaware of why this issue was occurring. It has now been a full month and I continue to receive emails from the automated system at XXXX XXXX XXXX XXXX that show I am still in this loop in their system that is causing my credit to be pulled over and over.
Consumer complaint received 2023-01-31
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received a correspondence letter from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via USPS, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from XXXX XXXX XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ). I, again, received a second correspondence letter from XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via USPS, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from XXXX XXXX XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ).
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (HI)

My mortgage loan originated in Hawaii with XXXX XXXX XXXX, a few years ago servicing was sold to another company - Dovenmuehle. My loan was paid off on XX/XX/XXXX. Dovenmuehle retained the balance in my escrow reserve account. Property taxes were due on XX/XX/XXXX. I previously called Dovenmuehle Customer Service ( early XXXX ) to find out if they were going to pay for the property taxes or, if they were going to refund the amount to me. I was told they are refunding the amount and I should receive the check ( {$450.00} ) by XX/XX/XXXX or XX/XX/XXXX. Today is XX/XX/XXXX - no check received. Called Cust Service again today. Said I should receive the check within 12-15 business days. This is unacceptable. They can not even tell me if or when the check was sent. I had to advance the funds for the property taxes so I would not be delinquent. How long can a Servicer hold on to funds due to me after my loan was paid off? They could not even tell me if the check is being mailed to me ( in Hawaii ) from the East or West coast. Very frustrating.
Consumer complaint received 2020-09-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$430.00}, {$700.00}. 
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 ( 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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

3. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
Consumer complaint received 2023-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

After a thorough review of a copy my mortgage documents acquired at closing, I came across several discrepancies. On XX/XX/XXXX, I sent a letter to Wells Fargo outlining a contractual outstanding amount of {$160000.00}, that was never paid nor given to me, but outlined in my mortgage contract. Wells Fargo responded, admitting that no record exists of this amount being disbursed, transferred nor given to me. However, even with this confirmation, Wells Fargo continues to dishonor this part and many other sections of the mortgage contract agreement. 
On XX/XX/XXXX, I sent an affidavit with 7 days to respond, to Wells Fargo, along with an invoice outlining over 15 continued failure to comply with US Code, state laws and Federal Laws resulting in an estimated sum of {>= $1,000,000} in damages. Receipt of the affidavit was confirmed on XX/XX/XXXX by the post office : XXXX : XXXX XXXX I received a letter response back from Wells Fargo dated XX/XX/XXXX with no dispute, rebuttal nor challenge to the facts laid out in the affidavit, and therefore serves as Wells Fargo 's acceptance of all facts, allegations, violations and damages stated in the affidavit.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXXXXX XXXX  opened XX/XX/XXXX amount {$7400.00} -FTC Violation XXXX XXXX  opened XX/XX/XXXX amount {$5100.00} -FTC Violation XXXX opened XX/XX/XXXX amount {$300.00} -FTC Violation XXXX XXXX  XXXX opened XX/XX/XXXX amount {$320.00} - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$140.00} -FTC Violation XXXX XXXX opened XX/XX/XXXX amount {$900.00} XXXX FTC Violation XXXX XXXX opened XX/XX/XXXX amount {$3000.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$4700.00} These are all inaccurate information on my credit report. This is a FTC Violation
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.