davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

The debt was taken care of with the property management XXXX XXXX XXXX of XXXX XXXX Texas in XX/XX/XXXX and a legal contract was signed stating no debt is owed. Well the property managers never updated the information and my account was picked up by XXXX collection agency. I called XXXX and told that debt was paid and they contacted the company it took XXXX 2 months to update to my information to state I do not owe any money to either XXXX XXXX XXXX or XXXX. But Credit bureaus wont update my status to reflect that no balance is due and it still remains as a valid debt status. Please assist in removing.
Consumer complaint received 2016-09-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OR)

In XXXX I entered a mortgage agreement which was later purchased by Wells Fargo. I lost my job in XXXX and tried to get Wells Fargo to allow me to refinance under prevailing low interest rates and government subsidies beginning in late XXXX. In XXXX I entered a special forbearance agreement with ASC, but after I fully complied with the agreement the mortgage modification was denied because my Unemployment benefits were exhausted. In XXXX I participated in the Independent Foreclosure Review and received a payment of {$2000.00} when the review was abruptly cancelled. Eventually XXXX of the loans was allegedly charged off, but I was compelled to continue negotiations until XXXX when I finally entered a compulsory foreclosure review board and was able to get a mortgage modification. The problem is that the full amount of the modification was more than {$30000.00} greater than the total original XXXX loan, even after the {$35000.00} loan was " charged off ''. Wells Fargo has been nothing but obstructive in all my efforts to repay my debt, and I believe they have received credit from the Federal Government for a loan they allegedly " charged off '', but actually incorporated into late fees, interest, and missed payments while they stalled and stonewalled between XXXX and XXXX!
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple names are reporting on my credit reports that are incorrect. My date of birth is reporting incorrectly on my credit reports. 

XXXX, XXXX, XXXX XXXX L XXXX XXXX XXXX XXXX XXXX Multiple addresses are reporting on my credit report that is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My Auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid-in-full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX XXXX ) on XX/XX/XXXX to evidence the payoff on this account. For background knowledge, I am the co-borrower on this account and my fiance is the borrower. Currently, this account is still showing a balance on my credit reports from XXXX, XXXX and Experian. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX  XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-20
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: AMERICAN EXPRESS COMPANY (OK)

On XX/XX/2021 my wife went to an atm from XXXX in XXXX, OK. She attempted to withdraw some money and was declined. She thought it was because we didn't have the funds ( XXXX ) and it was returned to our XXXX  by AMEX from XXXX XXXX XXXX She tried again but this time for XXXX, this time the atm did the same thing but XXXX took XXXX money and wont give it to us. They told us to file a complaint with the bank and the bank told us to do it with them because we were their members. 

I did file the complaint with XXXX on the very same day. They explained to me that it can take up to 45 days to complete the process review and return my funds. But the also said and this is where my problem is, " If we do not resolve your claim within 10 business days, I can be rewarded a temp credit for the missing fund. '' I have called them everyday asking for the status update. I have spoken with exactly 6 billing supervisors since the XXXX and they all keep giving me different days when the 10 days would be. Was told the XXXX by 3 of them then the XXXX by one and now the XXXX by the last XXXX. They have all said the bank is holding up the return of the money. 
I went last week on the XXXX to the bank after talking to them about this issue. 

On the XXXX I printed of and brought the dispute form to the bank because XXXX told me they were the ones hold up the refund. I spoke to the bank manager and the people who work disputes for the bank and they said they had not received any forms from XXXX like XXXX said they sent. I gave them the dispute form I had and they said once XXXX sent their copy, their policy is to work it the same day. 

As of today, the XXXX, XXXX is stating they are delaying my 10 day credit, due the bank not responding to them. I have spoken with the bank today before I called XXXX 3 times today to be told the same like the bank is holding up the process. And that even though the XXXX and XXXX supervisor told me I was already approved for the credit they don't know about that. They can't promise that or see it.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is reporting bankruptcy to XXXX  and transunion XXXX XXXX said they would remove it I have disputed it XXXX  XXXX is still reporting to XXXX  and transunion
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. 

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report 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
Consumer complaint received 2017-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Following the Equifax data breach reported in XX/XX/2017, I attempted to check on the Equifax website to see if I was impacted or not. Because I live in the XXXXXXXX for the most part, the website did not work so I called Equifax 's call center. 
The call center agents were unable to help me and told me to contact Equifax XXXX, though I am a US Citizen with credit cards and bank accounts in the USA. 
I was told that there was no other way for me to check on anything and that they were very sorry that they could not help. 

I have now paid XXXX to place a freeze on my credit as I can not check or be sure what the situation is, and Equifax wo n't tell me much more.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

XXXX of XXXX lawfirm called my phone on XXXX/XXXX/17 in an attempt to get information to serve me court documents. I explained to him that I was unaware of who Household Bank was and he laughed. I told him the call was being recorded and he became indignant. He said that he was not giving me any other information other than the name. He hung up on me several times once I tried to get information. These calls are all recorded. He better leave me the XXXX alone. As far as in concerned he 's a XXXX con artist.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion, XXXX, and XXXX are reporting an alleged bankruptcy without the permission from the trustee of the estate of XXXX XXXX. Transunion, XXXX, and XXXX are data furnishers that sell information to various companies. This is prohibited by the estate of XXXX XXXX. The name property and any other interest are copyrighted and trademarked. You do not have permission from the estate to report any such information or misuse the estate name in this manor!
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them.

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didnt give consent to flex finance to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. XXXX  XXXX is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. 
XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. 

I am asking XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00}
Consumer complaint received 2017-01-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

I am the executor of my late mother 's estate, XXXX XXXX XXXX. I am in the process of distributing the assets in her account to her heirs, me and my brother. The attorney handling her estate advised that a " distribution in kind '' be done to prevent incurring any tax liability. 
I contacted their investor services twice to determine what the proper process and procedure is to affect this change. On both occasions I was advised that I had to use a Wells Fargo advisor in order to do this. None of the other mutual funds that she has require me to do this. 
I feel that this is Wells Fargo 's way of generating more income by imposing fees just for filling out paper work.
Consumer complaint received 2016-09-14
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY (NJ)

My mother and I bought property together and I also had martial home which was not my mothers. Wells Fargo foreclosed I 'm property that I did n't given permission to use. This property was part of a divorce settlement dispute and XXXX lower had no right to property. XXXX XXXX of XXXXr was loan officer I believed he fudge paperwork and committed some type of false information which in end result made my mother lose all her property 's it should have been exempt from taking mine
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (ID)

In XXXX we had a small house fire which was covered by XXXX insurance. We were given several checks to cover loss of property as well as damages to our home. One of the checks ( the one in question ) for XXXX was a 3 party check needing signatures by my self, my wife and the mortgage holder. I took the check to My bank ( Wells Fargo ) and gave it to them for deposit. They told my it needed the 3rd signature and that I would have to wait 10 to 15 days for that signature before the funds would be deposited. After that period the funds became available in my checking account. I assumed that all was good and proceeded to use the funds for repair and replacement. I received no other correspondence. On XXXX I went to the bank ( Wells Fargo ) to get some cash for groceries at the ATM and found I was over drawn. I looked online and found the account was over drawn by over XXXX. I proceeded to the bank lobby and talked to a personal banker who said that since the draft was still pending that they could not see what it was. I came back the next day and they showed me a copy of the XXXX XXXX Check and said it was not endorsed by the 3rd party and that this is why my account was negative by over XXXX. They then said that XXXX XXXX had sent it back for this reason. I called my agent XXXX XXXX at XXXX in XXXX Idaho and told him this. He has checked all branches and all have said this was not true and that the check and claim to this effect was closed and that in all their exsperience they had never heard of this before and that it was unprecedented. Now Wells Fargo insists that the check be mailed to me and that then I am to mail it to the mortgage company for endorsement. Then will mail it back to me to bring to the Bank. I no longer live in the house in question. As of now my account is negative over XXXX, I have no cash or access to money untill this is resolved. I will have to open an account ( at another bank ) to even cash a pay check to live on. This looks to me like a oversight on their part from 1 1/2 years ago and now durring an audit they have discovered their mistake and are holding me accountable. Mean time my wife is XXXX over this I have had to take off work because of this and to chase down a resolution that is not in the near future. I need food, heat and bills money. XXXX out to the maximum, can hardly XXXX. Right now XXXX XXXX is doing their best for me in trying to resolve on their end.