davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
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. (MD)

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. 

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. 

Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The Correction is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I sent a letter to Experian, XXXX, and XXXX on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. XXXX, XXXX, and Experian are not complying with their own policies in a timely manner. Also address and name should be updated only to XXXX XXXX XXXX ( always confirming middle intial ) XXXX XXXX XXXX. XXXX, NJ XXXX
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX  account # 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.
Consumer complaint received 2022-06-30
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

I was an XXXX volunteer from XX/XX/XXXX - XX/XX/XXXX. I held my loans in forbearance during this time. There is a special arrangement with XXXX volunteers who seek to apply for the PSLF program where after the XXXX service contract ends, a retroactive calculation can be made for what the monthly payments would have been over the XXXX service period, once the loans were out of grace period ( XXXX XXXX - XXXX. XXXX ). Based on this calculation, the XXXX volunteer can make those payments retroactively, using their Segal Education Award, and have those payments count as qualifying payments toward their PSLF ( even though it was in forbearance originally ). I went through this process and was told that my qualifying monthly payments would be $ XXXXmonth over the XXXX service and submitted an employment verification form at that time ( late XXXX ). There was an issue with the EIN. I moved abroad over this period and was unable to resolve the issue myself. I had my mother ( who had financial power of attorney at the time ) contact Fedloan about this issue. They would not recognize the notarized POA document provided and the issue went unresolved ( they did not approve the form since it was incomplete and therefore the PSLF payments were not accepted ). Once I returned from abroad ( XX/XX/XXXX ), I brought back the issue, and tried submitting the EIN to get the payments approved. I was told that it could not be approved because the 90 period had passed for the employment verification form and that it was a void document. They recommended I resubmit a new employment verification form. When I did so, they said that the employment qualified, but the payments did not. COntrary to the information I was provided in XXXX, they told me that they had to recalculate the payments based on a standard repayment plan and not the income driven repayment plan originally used to calculate my monthly payments. As such, they provided me with a recalculated repayment total over the span of XXXX XXXX - XXXX. XXXX ( totalling {$2200.00} ). I then made this payment using my Segal award, on the information that this would result in the approval of my qualifying payments over that period of time. I received my updated qualifying payments toward the PSLF after this time, but the payment was not recognized. I submitted a review of the qualifying payments on XX/XX/XXXX and have yet to hear back regarding this issue. To date, I have been trying to resolve this issue for three and a half years, my legal POA was denied access and ability to manage my financial affairs, information regarding my qualifying PSLF payments has changed, I was coerced into paying {$2200.00} out of my Segal award with not results ( in contradiction to previous information provided from Fedloan ), have spent countless hours on the phone trying to resolve this issue, and have no information on a timeline of when the present review will be determined.
Consumer complaint received 2021-01-27
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: EQUIFAX, INC. (LA)

Hi1, I contacted the company and XXXX and was'nt sucessful did not removed the unauthorized inwuires from my credit report. 

thye equifax rep was very rude and said to contact FTC and that they was not going to remove the hard inquires
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (FL)

I scheduled my permanent payment for mortgage. every XXXX of every month. XXXX  was paid normally for 5 years, but The lender, XXXX XXXX XXXX, started the practice of intentionally not charging me in due day, and then charge me late fee for not paying in time.
Consumer complaint received 2021-01-27
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. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX is a Collection agency and has reported to all Credit reporting agencies false info. Both them and the XXXX have failed to provide the XXXX and or Bases for the Collection. All 3 agencies have reported derogatory information based on this lack of communication. ONly XXXX has motivated them to retract the negative information and or collection. Still the derogatory history remains on my credit. please assist. I can send you the XXXX of XXXX response.
Consumer complaint received 2024-08-29
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. (GA)

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX ), XXXX XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards accounts opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX with a balance that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX XXXX  Complaint XXXX  ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Happy Money, Inc. (CA)

A substantial payment was made on my Payoff account in the month of XXXX leaving a balance of less than XXXX on the account. Subsequently, I made a phone payment in XXXX meant to pay the account in full. This payment was to have been processed as if XXXX. Although the funds were deducted from my account, Payoff failed to post the funds to my loan. I called payoff regularly to follow up in this issue and have them correct their mistake. Although people I talked to acknowledged that there was an issue on the account, nobody was able to provide a hard time line for a resolution. Throughout this process, I was assured that my account was in good standing and that they would not be reporting my account as past due. 

Ultimately, it took payoff more than 39 days to fix their mistake. 

On XX/XX/21 I received notification through my credit monitoring subscriptions that I was reported 30 days late resulting in significant drops of my credit score. This is in the midst of looking to refinance existing debt to reduce my monthly expenses. 

Payoff failed to post funds timely, failed to correct their issue timely, and failed to protect me from negative impact they caused. 

I need to have this corrected immediately and to receive a confirmation of the correction both via email and in writing.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I have a XXXX account that Ive had since XXXX. I originally started with a fresh start program in which you can graduate to a regular card after a period of 6-9 months. Due to unforeseen out of my control issues I fell behind in XXXX and XXXX of XXXX. I called XXXX immediately addressing my concern and giving heads-up about my account. Since then Ive had clean on time payment history. I sent a goodwill letter early last year to have to late fees removed as a goodwill courtesy. And they were removed or my payment history status on my Credit report for XXXX, XXXX and Equifax. Or this changed on my report due to the age of the late payments. However, they are now back on my credit report. I shouldnt be held accountable for the late payments that occurred during the fresh start program. I would like XXXX to honor my goodwill letter and have the late payments removed from my credit report for XXXX, Equifax, and XXXX in which I know they have the ability to do so. All in regards to me not having any issues for the past 3 years.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

Hello In XXXX of XXXX my wife and I contacted Cross Country Mortgage company to request PMI removal. We closed on our home in XXXX, XXXX and did a 10 % conventional mortgage and had PMI. 

We received a letter from cross country stating that removal from PMI can not happen unless substantial improvements to the property warrant the removal. 

Since purchase of the house for {$530000.00} we have invested ( at the time of the request ) {$170000.00} into permitted home improvements. We submitted a list of improvements and a {$320.00} check for the appraisal to remove the PMI. 

Cross Country then hired a company to do the appraisal. The company hired sent a third party to take pictures of the property and the appraiser did a desktop appraisal. We paid for a full appraisal due to improvements to warrant the removal of PMI. 

On XX/XX/XXXX our appraisal was complete and it came back at {$590000.00}. At that moment we owed {$470000.00} ( approx ). We needed to be at {$470000.00} or below for removal. 

I proceeded to contact Cross Country and offered to pay the difference extra in principal to remove the PMI, to which they said it doesnt work that wayfunny how they wont accept the new appraisal amount. 

After I requested multiple times and finally received the appraisal I found many issues with it. As we have called almost daily to fight our case we have been escalated to an empty desk who does nothing to rectify the situation. 

Now 3 months later I have found the sq footage is wrong on my appraisal XXXX sq feet less than our home is based on the property appraisal for XXXX XXXX XXXX. Also they had the wrong city on the appraisal. Cross Country continues to say it is being escalated but there is nobody to speak with who can make any decisions. 

At one point a resolution specialist from XXXX XXXX, who cross country uses for their research XXXX XXXX emailed me XX/XX/XXXX stating they are reviewing my case and I will have an update or resolution and they will reach out by email or phone by XX/XX/XXXX. We are now at XX/XX/XXXX and we have never had a response back, even though multiple internal messages have been sent to this specialist. 

The difference in sq footage alone would have raised my value based on the sq footage appraisal value placed at {$75.00} from their appraiser in the comps. That would have raised the value {$4900.00} alone which would have been enough to remove my PMI immediately. They still have not responded to any of this. 

I have contacted their social media page on XXXX and they said someone would contact me immediately on XX/XX/XXXX and still nobody as contacted me. 

Please help us resolve this situation as it is literally theft what they are doing
Consumer complaint received 2022-09-22
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. (SC)

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1. Account Name : US DEPT ED Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NV)

In XXXX of 2023 Wells Fargo closed my bank accounts 2 checking, 1 savings account I am being told it is due to me being a risk for filing to many claims. However here we are in XXXX and I am receiving checks from Wells Fargo due to these claims settling in my favor. But yet Wells Fargo is informing me I am a risk. As my finical institution I tried to work the issue out with the 3rd party but was unsuccessful in doing so. As my financial institution to safe guard my funds and protect my assets I filed claims to have the bank step in and obtain my funds. According to my bank agreements etc I did no wrong doing. I previously filed a claim so I can open an account. I was informed from the executive office I am able to do so but have been unsuccessful in doing so. Also since the closure of my accounts with Wells Fargo I have been receiving numerous letters and checks stating after an account review they determined that an error on their end occurred with the claims.
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (WA)

I received a debt from a utility company from LJ Ross associates based out of Michigan. Ive settled on the debt and paid a majority which they told me it was accepted. I never received any confirmation letter that the debt has been settled. LJ Ross said they mailed it, they emailed me. I NEVER GOT ANYTHING. Ive called multiple times to confirm this but they never sent me any communication. Every time I call they tell me they sent it or they had the wrong email. They sent the remainder of my debt to another debt collector so its important I get my settlement letter
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (LA)

I have been a customer with Chase Bank for many years with over an 800 credit score. They have drastically reduced the limit on my personal credit card, which has never been late nor exceeded the credit limit. This has negatively impacted my credit and caused my credit score to drop.