davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, they keep reporting this inaccurately to the credit bureaus.
Consumer complaint received 2021-11-02
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. (MD)

This account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, they keep reporting this inaccurately to the credit bureaus.
Consumer complaint received 2021-11-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (GA)

On XX/XX/2021, I sent XXXX XXXX XXXX to Westlake Financial, in which they didn't respond. On XX/XX/2021, I sent Westlake Financial XXXX XXXX XXXX with the opportunity to cure ; still no respond which places them in default. I'd like to resolve this issue by providing me with the following : Title lien and free Account reported as paid on time & paid off to credit report XXXX out my balance Pay my invoice of {$59000.00}
Consumer complaint received 2024-10-14
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. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

Hi, The short of it is that Wells Fargo failed to cancel my PMI automatically when I reached 78 % LTV and is refusing to refund the difference. 


In XXXX I called Wells Fargo regarding my mortgage PMI and wanting to know how to get rid of it. I was around 80 % LTV ( based on the lower value of what I paid, not what it originally appraised at ) at the time. My understanding of the conversation with the rep was that I could either pay for their appraiser to make sure the value of my house in a growing major metro area hadn't dropped or wait for it to drop automatically at 78 % so long as I was in good standing. They said they'd send a follow up letter with details, which I did receive. 


I ticked that off in my head since I was so close to 78 % LTV and forgot about it until this XX/XX/XXXX. I noticed that I was still being charged PMI, despite being at 75.5 % LTV. I have been a month ahead on payments for years so this confused me. I called and the first rep just kept saying they'd generate a letter that would eventually arrive. I called again immediately and got a more informed rep that confirmed that they would cancel it but couldn't tell me why it hadn't already and that I'd have to call and try after it dropped when I asked about a refund. 


I escalated and their highest rep level called me back today, XX/XX/XXXX to say that they sent not one, but two letters directly after my original XXXX call and that one said that they no longer automatically cancel PMI and therefore they would not be refunding the difference. I received only one letter and received no indication that there would be a second. This supposed second letter is also not available for my viewing in my account page nor was it electronically sent to me. This rep also insists that she is unable to find the XXXX call information without a specific rep name and date, despite that call being the reason the XXXX letter was generated in the first place. Supposedly the higher rep is mailing these letters to me now.
Consumer complaint received 2021-11-05
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. (TX)

I already filed a complaint on TransUnion and they say they going to do a " 30 day investigation '' on my first complaint which I have been hearing this so many months. Today they wa n't me to get contact the creditors that got in contact with them and can be anybody but they don't care. Why because XXXX XXXX XXXX wrote them on XX/XX/2021 saying to them to delete 2 accounts and I have written TransUnion with proof and you think they actually deleted it, nope its has been 6 months and they're still on my credit report just like others are. I had to go filed a complaint against XXXX XXXX XXXX which they really didn't do nothing because when I wrote them back in XXXX they couldn't provide me with anything. So I filed a complaint today because TransUnion and XXXX still reporting something that couldn't validate in their office. XXXX compliant number is XXXX. I mean TransUnion really was doing right about consumer than the consumer doesn't have to work so hard to get this off their credit because my attorney told me about this site which it will have paper trail. How many 30 days I have given you all to do right. Than XXXX and XXXX XXXX  are the same you can't do Double Jeopardy so I would like both to be deleted as well. Duplicating account information like this may be a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. XXXX is collecting on XXXX XXXX whomever that is and XXXX XXXX also collecting on XXXX XXXX.
Consumer complaint received 2022-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

TO WHOM THIS MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ACCURACY OF MY CREDIT REPORT IS UNMATCHED. I AM CONTACTING THE ORIGINAL CREDITORS THAT ARE RESPONSIBLE FOR REPORTING INVALID INFORMATION. ALL ACCOUNTS, DATES, AMOUNTS ARE LISTED IN THE FILES. PLEASE REVIEW AND REMOVE THE LISTED ITEMS IMMEDIATELY.
Consumer complaint received 2021-11-02
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. (TX)

I like to file a complaint against Transunion for reporting inaccurate information on my credit report. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit file I was told " Bankruptcy Courts has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX from which Transunion has gotten this information from and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part XXXX perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (IL)

I am submitting this complaint against XXXX XXXX XXXX ( accounts opened XX/XX/XXXX & XX/XX/XXXX ) for their improper reporting of a balance on a charged-off account, which is in violation of the Fair Credit Reporting Act ( FCRA ).

Under FCRA 1681s-2 ( a ), furnishers of credit information, such as XXXXXXXX XXXX XXXX, are required to provide accurate information when reporting to credit bureaus. A charged-off account, by definition, should not report an outstanding balance as the debt is considered uncollectible and written off by the creditor. However, despite the account being charged off, XXXX XXXX XXXX continues to report a balance on my credit report, which is inaccurate and misleading. 

This inaccurate reporting is negatively impacting my credit profile and violates FCRA provisions that ensure consumers are not subjected to false or misleading credit information. 

I request that XXXX XXXXXXXX XXXX immediately cease reporting an outstanding balance on this charged-off account and correct the information across all credit bureaus. If the information can not be verified or corrected, I demand that the account be deleted from my credit report in compliance with FCRA guidelines. 

I am asking the CFPB to intervene and hold XXXXXXXX XXXX XXXX accountable for this violation and ensure they correct the issue promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

cashapp managers send me 2 years in order to upload my selfies and my iD. i have done both. cash has not provided me access to my money. i am waiting for cashapp to give me access to my money or tell me how they will use my money. i need my money. please help. i sent the selfies and id and a piece of mail. i suspect cash app as a scam company. maybe one day, i will know about cash app. 
there is no way a company can just refuses clients access without having a good way to verify the client account. no bank does that.
Consumer complaint received 2021-11-02
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. (OH)

I filed several disputes with Transunion over the past few months, but the results were not made available to me. I was unable to pull them up on their website. I called in to the service center and I was told they would be sent to me via usps. It has been 5 months and I still do not have them. 
I also requested information TransUnion takes to verify information when a consumer files a dispute. I have asked this several times and I'm never given an answer. I have one company in particular who on several occassions has put a collection on my account but refuses to send me any documents regrading it. These only show up on my TU report. There have been THOUSANDS of complaints across the US from consumers with the same exact issues. 
As a consumer I have a right to know what is in my file. After submitting a complaint last week my online account through them has been blocked. 
TransUnion is literally holding my financial abilities XXXX.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quick Debt Services LLC (FL)

Back in XX/XX/2020 I received a call from a XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX He asked if I was struggling to make my payments because of XXXX XXXX and I answered Yes. He claimed to be able to Modify my home loans with the same term and reduced rate of 2 %. He asked me to make three checks {$830.00} each for XXXX, XXXX, XXXX made out to Document Center. He told me not to make the mortgage payments until modification was complete. I found out that they were not doing anything and I had to contact the mortgage to get the modification completed. XXXX XXXX claimed that once the modification was completed I would receive the three payments back from government subsidies. That never happened and he refused to take my calls. He had his assistant XXXX XXXX call me but she didn't have any answers as to why I never got a reduced rate, why the term was extended to XXXX years instead of the remaining XXXX years and she had no idea about the government subsidies to reimburse the first three payment made to Document Center. The phone number that I have for XXXX XXXX is XXXX. The number I have for XXXX XXXX is XXXX & XXXX all of which go to voice mails I think all are cell phones. The email I have is www.modcenter.org and XXXX What has hurt the most is that my credit went from XXXX to XXXX because they never did any modification and the mortgage companies reported me as being late XXXX days. XXXX claimed that they would let the credit companies know that I was going through financial hardship and my credit would not be affected. They never did and my credit was hit. Because my credit is so low now I can't even refinance. The checks were deposited to Document Service Center account # XXXX They did two loans for Bank XXXX XXXX and two loans for XXXX XXXX which they ruined in the end. I was tricked and taken advantage of.
Consumer complaint received 2022-08-21
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. (SC)

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-10-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (PA)

I have a auto account with navy federal in which they sent me billing statements which reflect a positive balance to pay an alleged debt. I owe no such debt and refuse to pay, this is a billing error pursuant to 15 usc 1666 ( b ).
Consumer complaint received 2021-11-02
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. (WI)

I've contacted the 3 major credit bureaus several times about unauthorized inquiries on my consumer report. yet i have yet to receive any response or see a update to my credit report
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

I have been a Target red card member since XXXX. I have never maxed out the card or been late and i always over pay my bill. I have submitted credit limit increases in the past most recently in XXXX. The representative stated that the review would happen around XX/XX/XXXX. I called back XX/XX/XXXX and the rep told me that the increase had taken to place and to wait for the letter in the mail. I called back XX/XX/XXXX and they are stating that it wasnt true and the increase didnt happen Im overly frustrated at this point and fear that this is discriminatory.
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MI)

I am a consumer of the United States and CB/Epress is a debt collector which is stating that I have alleged late payment, in which i paid on time. According to title 15 usc 1692 - congressional findings and declaration of purpose, they are in violation because reporting this to my consumer report has had a huge effect on my getting a job. Which is forcing me to have marital instability. I need them to update these alleged late payments and change them to on time payments within 5 days or I will pursue litigation. They also violated the FDCPA 15 usc 1692e - false or misleading representations- because they are falsely representing my character because they are accusing me of an alleged late payment and i paid it on time. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XXXX/XXXX/202. Stating all the violations and harm, CB/Express has committed.
Consumer complaint received 2021-12-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (VA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-11-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WA)

Purpose : Out of forbearance to refinance with lower rate to lower the payment My mortgage lender is Caliber Home Loans. I previously was enrolled in forbearance plan due to my family was impacted of XXXX. I stopped the payment since XX/XX/XXXX and resume the payment on XX/XX/XXXX. I made five satisfaction payment ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) which should qualify to refinance. 

After resuming the payment, I was enrolled with load modification to pay the due amount during the forbearance period. The loan modification rate is 3.0 % and I was working toward to the end to send back the document. During this time, I also seeking refinance as an option with XXXX XXXX XXXX  which offer 2.5 % rate and to the final stage. I intend to get out of forbearance to refinance with XXXX XXXXXXXX XXXX to lower interest rate to lower the monthly payment including the due amount in the forbearance period. The refinance underwriter have concern regarding to I am still under forbearance and have loan modification hence request the statement. In order to proceed further, I request the statement from my current mortgage lender ( Caliber Home Loan ) to provide that I am not in forbearance nor moving toward loan modification with them.

We had a discussion with the ( Caliber Home Loan ) manager XXXX ( not sure the spelling ) with agent number XXXX to request the requirement on XX/XX/XXXX or XX/XX/XXXX. I inform that I do NOT want to move forward with the loan modification but refinancing with due amount to pay off then move on. But the agent keep repeat that I would need to sign the loan modification or pay full amount to be released which seems misleading and limit my option. It was brought up that this would also report and hurt my credit for the past due hence I have to keep it ( loan modification ) for now to protect my credit score while we working through this process. 

For the current process that we will need to document be ready before XX/XX/XXXX to meet the deadline but this keep holding it.