davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to formally file a complaint against [ TransUnion ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included XXXX and XXXX, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a bankruptcy discharge and a Bankrupcy that is on my credit report, that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 
Enclosed with this complaint, you will find supporting documentation, including but not limited to : Bankruptcy discharge documents from 2017. 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved. 
I am writing to formally file a complaint against [ TransUnion ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included XXXX and XXXX, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a bankruptcy discharge that took place in 2017. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 

Enclosed with this complaint, you will find supporting documentation, including but not limited to : Bankruptcy discharge documents from XXXX. 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Greetings, my name is XXXX XXXX XXXX XXXX family, and I am consumer of the age of XXXX. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Credit Reporting Agencies ( CRA ) XXXX, Experian, and XXXX under 15 USC 1691 ( a ) ( 3 ), assumed this role without permission not only that, they did not have my consent. CRAs did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). CRAs did not exercise their grave responsibility, they were unfair, they were partial. Im doing this due to the fact that because of the actions of these CRAs, I am unable to buy cars, houses, or anything in general that a consumer needs to survive in the United States. CRAs never had a permissible purpose under 15 USC 1681 b ( 2 ). I never instructed CRAs to furnish this report and I never consented to this report in the first place. What I am demanding right now is that CRAs deletes all accounts that are reporting and all hard and soft inquiries, that are hindering and discriminating me, whenever I try to purchase or receive credit for consumer purposes only. If any further information to be required to further support my claim, you can reach out to me by phone ( XXXX ) XXXX or by email ( XXXX ). 
Thank you for your time. 

Sincerely, XXXX
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NM)

On XXXX XXXX I noticed that a charge from XXXX XXXX was charged to my account in the amount of {$110.00}. I contacted the Bank Wells Fargo and told them that this charge was not authorized by me to my account and to stop the transaction as it was still pending and had not gone through yet, I was told by the customer service repersentative that I had to change my debit card number and a new card would be sent to me and it would be turned over to fraud department, this has been a huge inconvience to me. As of today XX/XX/2023 I have been charged for this transaction and my account went into a negative. My claim number is XXXX
Consumer complaint received 2020-02-03
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. (AL)

I have sent numerous dispute letters to Transunion on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. Transunion has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc (GA)

I was denied a line of credit with Affirm via XXXX. The credit card report and score used was incorrect. My score is not XXXX nor or any of these factors true : XXXX. SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED XXXX. RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV XXXX. ACCTS TOO HIGH TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED XXXX. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH My credit score is in good standing. The information was retrieved from XXXX. Their information is inaccurate.
Consumer complaint received 2023-11-30
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)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2019-09-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (MA)

The mortgage was originated with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Bank XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX,  the XXXX XXXX XXXX XXXX XXXX was closed by OCC with FDIC as receiver. During my bankruptcy, XXXX filed a proof of claim dated XX/XX/XXXX. It contained a copy of the mortgage, rider, original note, an assignment dated XX/XX/XXXX with a stated Effective day of XX/XX/XXXX ( recorded XX/XX/XXXX ) from XXXX to XXXX as trustee for XXXX mortgage pass through certificates series XXXX. It was executed by XXXX XXXX on behalf of XXXX. However at this point the XXXX XXXX XXXX XXXX XXXX was in receivership and the FDIC was the receiver and XXXX XXXX would not have had authority to transfer this note. The copy of the Note was stamped ORIGINAL ( with no binder holes ). The allonge was not attached at that time. 

I have requested a loan modification numerous times. I have basically not qualified based on failing the net present value test due to their inflated valuation of the home as well as qualifying for a reduction of my payment of less than 10 %. I requested a waiver of these provisions on several occasions but again with no response. Now I am just denied without even a review, Wells Fargo, the servicer for XXXX said that I didn't qualify for a modification and they wouldn't even review it. I asked for documented verification of this and they have refused to provide this. 
In XX/XX/XXXX, I was forced into a Chapter XXXX bankruptcy due to the downturn in the real estate market and a condo project I was building.Since then I was able to file for a Chapter XXXX bankruptcy but they have still refused to work with me. I filed a bankruptcy to stop the foreclosure sale. 
I have made multiple requests for complete copies of my closing documents and loan documents. I never get them. 
After filing bankruptcy and while attempting to make a repayment plan, XXXX /Wells Fargo has said that I cant rent the property seasonally because I signed a 2nd home rider. I have read that XXXX XXXX has said that the XXXX XXXX rider should not be interpreted to say that. XXXX XXXX has recently revised their rider due to misunderstandings as to the meaning. I also have read that this is an unreasonable restraint against my rights in my property and it is against public policy. I have also read that it is only Wells Fargo that is telling home owners that they cant rent their properties.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$510.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

Nelnet is my loan service provider. I am signed up for the SAVE repayment plan, and my monthly payment is supposed to be {$40.00} per month. My first month I paid {$40.00} on XX/XX/ and everything went fine. My second month I paid {$42.00} on XXXX but it did not prompt me with a minimum payment. My third month it told me my minimum payment was {$33.00}. So on XX/XX/ I paid {$34.00}. This payment went through but it said that my minimum payment was still {$33.00}. I assumed I was on the early side of the next payment cycle so on XX/XX/ I paid another {$33.00}. Now it is XXXX and they are saying that I am late on my payment and I now owe two payments of XXXX. One due immediately and the other one due on XX/XX/. I have screenshots of my payments in their system. I tried using the chat bot on their website but it just says to call them. I called them and and it said that I should just use their chat bot, and it hung up on me. Then I called back hit 0 a bunch until it said it was going to connect my but it needed my social security number. I put in my SSN and it said it was wrong, so I put it in again and then it said that I should just used the chat bot but that I can wait for a person if I wanted to, however, they are having unusual call volume so my recall time will be approximately 82 minutes. They then hung up with me after an hour and five minutes and thirty three seconds. I have the transcripts of the calls.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

Ditech misplaced a payment, in XXXX. In the meantime they charged me {$290.00} late fees over 7 months. But mind you my payments were paid on time each month. They credited me {$230.00} for these late fees. Where is my other {$64.00} that I was wrongfully charged? 
And due to Ditech thinking I was paying late each month, they took any additional principle paid and added it to interest. So they have managed to take over {$350.00} of my money that they did not have a right to. 
Another problem is they had my street address on my statements, and we do not get street mail delivery, but no one could try and find out why these statements were getting returned. So I got no notice of any thing. 
They have since sold my mortgage to some one else and I have no idea who because I have not gotten any notice. I asked them to email a copy and they have yet to do that. I do not know who to send my mortgage payments to. 
They refuse to do anything to help me and went so far as to have a supervisor hang up on me.
Consumer complaint received 2023-11-30
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. (IL)

I am writing to express my profound dissatisfaction with the continued presence of fraudulent items on my credit report, despite a second attempt to rectify the situation. The handling of this matter has been deeply unsatisfactory, and I feel compelled to bring this issue to your attention formally. 

I initiated the process to dispute and remove unauthorized and fraudulent items from my credit report. Despite a previous attempt, these items persist on my report, causing significant distress and concern about the accuracy of my credit history. 

I understand the importance of promptly addressing fraudulent activities and maintaining the integrity of credit reports. I expected that the second attempt to rectify this matter would yield positive results, but unfortunately, that has not been the case. 

I insist on an immediate and thorough investigation into the reasons for the persistent presence of fraudulent items on my credit report, despite a second attempt to remove them. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent similar lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the successful removal of the fraudulent items from my credit report within the exact time frame of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items in my crewdit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: KEYCORP (CO)

We had a water claim at our home. Our insurance company XXXX XXXX, has sent 2 checks ( with more to come ) for periodic distributions when stages of work is complete. It took a while but the first check was ultimately accepted by Key Bank, the mortgage company. XXXX XXXX has issued a second check for carpet replacement. I have tried to deposit the check with KeyBank and the local branch can not get the mortgage company to give them direction on how to deposit the check. In the meantime, the contractors need to be paid, which I have had to do out of my personal funds. I had to do this to keep the workers on track for the next stage or repairs. Yet I can not get KeyBank to deposit the funds into my KeyBank account.
Consumer complaint received 2023-11-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This debt collector engaged in abuse deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we did not agree upon and I didnt sign agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper five steps validation procedure which makes this unfair practices. According to the FDCPA. Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (NY)

Bridgecrest is holding my title hostage by not releasing the lien on the title. I've been calling for over two months, the loan is paid off since XX/XX/2021, I never received a lien release and they refuse to do anything about it. I've emailed daily, no responses, I've mailed letters with no response, the truck was traded into dealer with the lien they have called and won't release it. Last night they said stop calling we can't release the lien to you, or the dealer, and wouldn't let me talk or explain anything. Who will they release it too? They won't release it to any of us and won't listen to me when I say release it to us or the DMV. I don't know what else to do
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IA)

I have currently been on hold with Mohela for one hour and 43 minutes. This is a common occurance. My issue is that I am full-class with XXXX vs XXXX, so my loans are approved for complete discharge. Yesterday Mohela sent me an email advising that I owe them almost {$3000.00} and it's due today. Sending me a statement and taking me out of forbearance is in direct violation of the settlement agreement. I am in forbearance and have been since XXXX due to borrower defense. Mohela has taken me out of forbearance numerous times and I have had to fight through long holds, being hung up on, waiting weeks for answers online and speaking with advisors who provide false information. Department of Education has sent Mohela the information, for forbearance, numerous times. I even have an email from Mohela stating I would be in forbearance until XXXX, due to my approved borrower defense application.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

This is regarding my Citi Best Buy credit card. They had promotion which I took advantage of. Promotion was for purchases over {$500.00}. You can payoff the same in 6 months without incurring any interest essentially deferred interest. 

I have Promotion which expires on XX/XX/2023. In my XXXX billing cycle I had some other purchases in the billing cycle which didn't qualify for the promotion and I have revolving balance. When I made payment for my XXXX billing cycle. I was expecting my payment to be applied to my revolving balance first so I am not incurring fees or interest but instead the bank applied to Promotional balance and I will now incur the interest on revolving balance although I have 28 days to still payoff my promotional balance. 

Bank had done this last year to me and that time they had way to correct the situation. But this time agent and their supervisor told me their system has changed in XXXX and they are no longer able to reapply payments as per my request. 

As it stands today no one can tell me how to correct the situation. I asked bank to file complaint and they put compliant but there is no outcome expectation as they said there may be follow-up from bank if they need anything from me otherwise they will review.. As a customer this completely misleading. If promotion is for 6 months and there is date published online, bank should not have applied my payment this way. Additionally, if they want it to behave this way then end promotion on the billing cycle. This completely misleading.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report.

Here is the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.