davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, my name is XXXX XXXX and I sent letters to all the credit bureaus over 45 days ago about inaccurate information on my credit report. I haven't received any information or letters from any of the credit bureaus.
Consumer complaint received 2020-11-15
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: WELLS FARGO & COMPANY (KY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TriPoint Lending, LLC (CA)

I applied for debt consolidation loan but they denied it instead they put me in structured loan payment. They discussed to me whats only is good like my monthly payment will be lowered and i will only have 1 monthly payment since the existing loans will be paid off. And they also advised me to stop all my automatic payments right away. 
In their email they said someone will call me to discuss the welcome packet bug nobody called me to discuss it. There was only a lady who called me to set an appointment. 
But then they already charged my bank account of {$270.00} without discussing anything. 
One of my lenders called me and following up about my monthly payment since I already canceled my automatic payment. And they said that nobody from Alleviate contacted them. And if I cancel my automatic payment and will not pay, they will charge me late fees. And Instead, they were the one who called Alleviate. 
When I called Alleviate what happened, they told me that I need to have 55 % fund first before they can offer my 2 existing lenders a pay off. Meaning Alleviate will charge me first monthly before they can negotiate to my 2 existing lenders. 
Now, I want to cancel the Alleviate because of misinformation about the 55 %, XXXX XXXX said that they can not give back the full refund of {$270.00} because they paid for legal fee of {$250.00}. He said they only have {$5.00} in my account and thats the only amount they can refund. I told him that information wasnt discussed to me either. He said I signed it in their contract which by the way never discussed to me in full details again. And they only discussed to me the information that are good to hear. 
Of course I will sign the contract because they only discussed to me the good side of the contract and told that is what written in the contract.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

To Whom May Concern These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file.
Consumer complaint received 2020-09-15
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. (NH)

On XX/XX/2020 I sent a letter regarding innacurate and unverifiable things on my credit report. Til this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes Section 611 ( a ). It is stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from  my credit report. XXXX XXXX has removed the bankruptcy already, and that is who you said you verified with. I demand these items be removed or I will have to take further action and file for litigation.
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: REGIONS FINANCIAL CORPORATION (AR)

When I call to make a payment toward my auto loan account, the CSR tells me, " I see that this account is in bankruptcy. I have to transfer you to the bankruptcy dept. '' After being transferred to the bankruptcy dept., the CSR there says, " I see you had filed bankruptcy in 2018, but that's been discharged. I have to transfer you back to the payment processing center. '' After being transferred to the payment processing center, the CSR there says, " '' I see that this account is in bankruptcy. I have to transfer you to the bankruptcy dept. '' I responded, " That's not correct, I was just transferred FROM the bankruptcy dept. '' The CSR 's tone got very hostile when she said, " Well, MY record indicates this account is in bankruptcy, so there's nothing we can do in this department. '' Regions Bank is  clearly creating this confusion with their CSRs to cause borrowers to miss car payments because the bank wants to create a default and repossess the vehicles for resale. Regions ' policy is to make it functionally impossible for anyone who has ever had a bankruptcy to make their car payment by phone.
Consumer complaint received 2020-09-15
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: Stern Recovery Services, Inc. (SC)

On XX/XX/2018 XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Stern Recovery Services INC has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (TX)

I attempted to update the information and addresses on my credit report. However, I was blocked by each of the credit bureaus. When I called to update my report via telephone, I was informed by the bureau representative that XXXX XXXX and Indigo are the reason. They reporting a status of charge off each month and then closing the account. This is why I am not able to dispute the incorrect post office address portraying as a residential address that is currently in someone else 's possession.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: OKCoin USA Inc. (IA)

I sent about {$1500.00} to a company called okcoin to buy and sell cryptocurrency in XXXX. I sold some of my cryptocurrency ( {$1000.00} ) in XXXX I believe. I just tried to log into that account again ( XX/XX/XXXX ). 

The company requires that I use an authenticator app. I purchased a new phone in XXXX so I do not have the account saved on my authenticator app. I reached out to their support team to receive a new access code or an SMS verification. The support team sent me this email : Dear XXXX, Thank you for contacting XXXX support! 

In order to proceed further with your request ; 1. Kindly send us a photo of your ID ( front and back ), and a selfie with your ID and answer the questions below : -Account registration date -Last login date -Last trade details ( asset, amount, option ( sell/buy ) -Main assets held on account 2. Please prepare a video recording, read the below template ( adjust the template according to your request & personal information ) and attach the video to your reply. During video recording, your identification document must be shown to the camera, and the information must be easily readable. 

" Hi, my name is XXXX. Today is the date/month/year, and I recorded this video to reset my XXXX account ( phone number/google XXXX ). My XXXX account is associated with XXXX address, and my ( ID/passport/driver 's license number is XXXX. ) I'm the sole owner of the before-mentioned XXXX account. Kindly assist with my request ''. 

If the video size is too large and can't be attached to your email, you can upload your video to a cloud storage space ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, etc. ) and send us the link by granting access to XXXX Once we receive the video, we will proceed further with your request. Thank you for your time and your cooperation! 

Important note : To ensure funds & account safety, the withdrawal function of your account has been disabled until level XXXX verification is completed. 


Best regards, XXXX | Customer Service Representative '' I have never been asked to send a video to verify who I am. They are now also asking me for my driver 's license, which I believe I never sent originally. I asked them if there was another way that I could do a XXXX authentication or verification process and they said there is no other way. This feels like a scam. My account is closed. I can not withdraw my money. I am talking to my bank now to close my account because I sent them funds through a wire transfer.
Consumer complaint received 2021-01-23
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)

XXXX # XXXX I have no knowledge of this account see cfpb XXXX XXXX # XXXX I have no knowledge of this account CFPB XXXX # XXXX I have no knowledge of this account sent cfpb XXXX # XXXX I have no knowledge of this account XXXX # XXXX I have no knowledge of this account see CFPB was filed XXXX # XXXX The balance and/or past due amount are/is incorrect XXXX XXXX # XXXX I have no knowledge of this account XXXX XXXX # XXXX I have no knowledge of this account sent CFPB
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (HI)

XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau : Re : US Bank Mortgage Acct # XXXX I am writing this letter in complaint of US Bank who is my mortgage lender for my home. US Bank unilaterally purchased forced coverage for Wind Insurance on XX/XX/XXXX retroactively for XX/XX/XXXX to XX/XX/XXXX at the cost of {$5600.00}. This coverage is redundant as I already have the required wind insurance through my home insurance XXXX XXXX. 

I have called US Bank representative numerous times from XX/XX/XXXX until now. Myself and my XXXX XXXX agent have explained to them and uploaded proof of insurance to XXXX. Each time USbank representative has not called back nor emailed back. US Bank placed a lender placed wind insurance first time on XX/XX/XXXX and then refunded on XX/XX/XXXX. Then on XX/XX/XXXX US Bank placed again {$5600.00} wind-only coverage lender premium. US Bank representative has since refused to remove the premium. 

I do not any emails from US Bank because they did not email or follow up after any of the calls. I have enclosed emails from the XXXX XXXX agent, XXXX XXXX, explaining to US Bank that my home insurance DP3 policy includes wind insurance. 
The US Bank representative has said that if we show that we have wind coverage then the lender placed premium would be removed. On XX/XX/XXXX, XXXX XXXX uploaded another letter explaining that my homeowner insurance includes wind coverage. Despite proof of wind insurance ( part of the coverage of DP3 insurance ) as provided by XXXX XXXX. The US Bank representative have refused to remove the charge ( {$5600.00} ) for their redundant wind insurance. 

On the phone, the US Bank representative said that they can not remove the lender placed premium of {$5600.00} because US Bank is requiring hurricane coverage for my property and my current homeowner insurance does not have hurricane insurance. Yet, none of the US Bank letters sent to me had any mention of hurricane requirement. Each of the US Bank letter had requested wind coverage, which we had shown them we have. US Bank placed {$5500.00} on XX/XX/XXXX, then refunded on XX/XX/XXXX, then charged XXXX again on XX/XX/XXXX retroactively for XX/XX/XXXX. 

Does this violate any truth-in-lending? When I signed my home mortgage with US Bank in XX/XX/XXXX, US Bank had approved my homeowners which did not include any hurricane coverage. ( Attached XX/XX/XXXX XXXX homeowners insurance ). On the phone, the US Bank representative is saying US Bank can not remove the wind coverage premium of {$5600.00} because it covers for hurricane. Yet, US Bank has not sent any written notice to me requesting for hurricane coverage. US Bank sent letters with request for wind coverage, which I had sent proof that I have. I am asking for US Bank to remove and refund the redundant lender wind insurance on XX/XX/XXXX for retroactive coverage XX/XX/XXXX XX/XX/XXXX of {$5600.00} when wind coverage is included in my current home insurance DP3 policy. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — Store credit 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: CAVALRY INVESTMENTS, LLC (AL)

A company by the name of Cavalry purchased an account from XXXX XXXX. They sent a past billing statement they stated came from XXXX, but the amount listed as owed was much more then I had ever purchased as I didnt even have a car at that time. The amount listed as owed is listed on the statement as {$410.00}, but they didnt even have any individual purchases listed so that I could see what they were trying to bill me for. 

I was sent a card by XXXX over 4 years ago in 2016 and closed this account with XXXX a few months later in the same year. I closed it because I didnt have a car and not much use for it and because of a dispute with XXXX over billing as I had only used the card at one XXXX store buying chips and a soda a couple of times and putting gas in a friends car about 2 times, so the amount owed from my calculations should have been around {$100.00}. 

I am asking for your assistance regarding this matter as I feel as if I am trying to be taken advantage of. I do not know if it is being done on purpose or the result of Cavalry not looking into the details of this statement but it is clear the amount on the statement is 3 times as much as I charged on this account and 3 times as much as XXXX told me what was owed when I asked them to close this account over 4 years ago in 2016. 

This is especially disturbing to see because of the obvious discrepancies in what was actually charged and what they are stating is owed and the lack of a list of itemized transactions in the billing statement. but it is especially and even more so disturbing because this country is in the midst of a pandemic with deaths totaling over XXXX and the economy and jobs not being this bad since the Great Depression and people suffering from not having jobs and putting food on the table and this company is asking for me to send them 3 times as much as what was charged on this account.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have several issues on my credit report that need attention dealing with my current address and my actual name. 
XXXX XXXX  XXXX is my only name please remove any other spelling. 
My DOB is XXXX My SS is XXXX I have not XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-01-23
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)

Multiple soft inquires for insurance companies, credit agencies, phone companies, & security companies I never made appear on one or more of my credit reports. Multiple incorrect addresses, land line and cell phone numbers belonging to other people and a phone loan I was never notified of, given a contact for or signed for in the amount of several hundred dollars also appear. I requested correct information for all updates and changes and although I now received all these new reports from all 3 bureaus ( 3 from XX/XX/XXXX and 2 from XXXX ) I am still seeing the same incorrect telephone numbers ( not mine but still attached to my social security number ). I contacted all the companies repeatedly and they said to contact the credit agencies and the credit agencies told me to contact them. I did BOTH, hundreds of times. I need the cell phone numbers not belonging to me removed because I believe my stalkers has access to them and I have a restraining order. Please help. I've tried everything. I called, wrote letters, requested new reports, complained to 311 ... BUT this false information STILL remains on all my credit reports. It's not just effecting my credit, it's effecting my health and well being.
Consumer complaint received 2022-09-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hi I am submitting this XXXX XXXX without 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (VA)

I received notification yesterday, XX/XX/2022 that I have an XXXX XXXX XXXX account that has passed into collections for the amount of {$1100.00}. 

I called the debt collector ( MRS ASSOCIATES, ) informed them this was identity theft, and they told me to do the following : 1. ) File a police report ( done. ) 2. ) Let the company, XXXX XXXX XXXX XXXX, aware of the situation. ( Done. ) 3. ) Email them with confirmation of these. 

I have completed these steps, and also put a fraud alert on all three major credit bureaus. 

I have never had an account with XXXX XXXX XXXX  XXXX.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have several issues on my credit report that need attention dealing with my current address and my actual name. 
XXXX XXXX  XXXX is my only name please remove any other spelling. 
My DOB is XXXX My SS is XXXX I have not XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (MA)

: ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by TD bank On XX/XX/2022 I applied for a TD XXXX 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). XXXX XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights : 1.15 U.S Code 1642 2.15 U.S Code $ 1681M 3.12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable.TD Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violation BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.