davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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. (VA)

I have asked the credit repair companies to do multiple checks on my credit report for errors. They stated that everything was accurate and after another check of my credit report I still see that they were not verified correctly or at all. Even after providing the bureaus letters from the creditors themselves they still refuse to make the necessary changes. These accounts are as follows : XXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have many inaccuracies including : Account Status, Date Opened, Payment History, Account Status, Date last reported, Date last active, Date of last payment..etc. 

In accordance with the Fair Credit act XXXX All of these accounts have 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (FL)

I realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that XXXX, XXXX and Experian are reporting these inquiries I would like them to remove them.
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, 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 a account without my written instructions.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of a charge-off on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) and USC 1681. I have reviewed my credit report and found that the entry regarding the charge-off account [ XXXX XXXX ] with [ XXXX XXXX ] is incorrectly reported. Specifically, the account is listed as a charge-off when it is not accurate or up-to-date.

I am requesting a full investigation into this matter, and for the inaccurate information to be removed or corrected. Below are the details of the account in dispute : Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As this information is inaccurate, I ask that you correct it as per the FCRA, which mandates that credit reporting agencies must ensure that the information they report is accurate and up-to-date. According to USC 1681i, you are required to investigate any dispute submitted by the consumer and complete the investigation within 30 days of receiving this dispute.

In addition, please provide me with documentation of your findings upon completion of the investigation, as outlined in the FCRA guidelines.

Please note that if this dispute is not resolved in my favor or if it is not corrected within the required time frame, I will seek further legal action to ensure my rights are upheld, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice.

Enclosed are copies of the relevant documents supporting my claim, including any payment history, letters, or other evidence demonstrating the inaccuracy of the charge-off.

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (NC)

improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IN)

Sometime in XXXX XXXX XXXX XXXX 2022 my mortgage was transferred without my knowledge from XXXX XXXX XXXX XXXX XXXX California to Fay Servicing in Chicago. I then recieved a letter from Fay Servicing dated XX/XX/2022 which contained my XX/XX/2022 mortgage check for {$1000.00}, which was of course made out to XXXX XXXXXXXX XXXX, since I was never notified about the transfer. 
So I immediately sent Fay Servicing a new check for my XX/XX/2022 mortgage made out to Fay Servicing plus an additional check for my XX/XX/2022 mortgage payment, both of which they have declined to credit to me or even acknowledge in any way. I did ask them when I sent the payments to please send me a Fay Servicing account number and have not heard from them at all, one month later. 
Am elderly and this is causing me terrible stress to the point that it is making me physically ill. 
Would so much appreciate any help you can provide me with this. I know it is illegal for them to reject my mortgage payments and now I am getting ready to send them the check for XXXX 's payment. Not sure what to do at all.
Consumer complaint received 2022-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I have a XXXX XXXX credit card with XXXX that has been fully paid off since XX/XX/XXXX. I received a surprise credit score change of near XXXX points on all 3 major credit bureaus. The credit score change was due to a delinquent balance at XXXX for a {$99.00} annual fee charged on XX/XX/XXXX. I never received a delinquent notice to my email or mailing address prior to XXXX reporting this delinquent balance. I had a credit score of near XXXX before this and I have never missed a payment in my life. After multiple attempts at contacting XXXX to resolve this, I got the run around. I was not aware that I had a {$99.00} annual fee on XX/XX/XXXX. XXXX told me they would notify me in advance when I applied for this card on XX/XX/XXXX, but I never received this notice. I have not used this credit card since XX/XX/XXXX and had lost my login information to the mobile application. I trusted XXXX to send me balance statements and notifications via email or mail, but I never received them. Again, this was an annual fee and not a purchase balance I had. A soon as I was notified by the credit bureaus about this delinquent account I called XXXX and paid off the annual fee of {$99.00} on XX/XX/XXXX. I greatly appreciate XXXX to remove my delinquent inquires immediately due to them not notifying me in advance. Thank you.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2016, XXXX XXXX XXXX  was opened. We had a car with them and surrendered the vehicle due to undisclosed information for the temporary insurance they provided. The agreement was for us to utilize their insurance until we found a company that would insure our vehicle under full coverage. At the time we only had liability. Our monthly payment was higher due to XXXX XXXX insurance. A few months later we gained full coverage with XXXX and called XXXX XXXX to give them the information and to cancel their insurance and go back to our regular monthly car loan payments. They told us they will not cancel their insurance it will continue on for the duration of our loan. We were outraged, we tried to speak with upper management. We was unsuccessful. We told them we would not continue business with them. They did not disclose that information nor did we sign any documentation stating their temporary insurance will stay on for the duration of our loan which meant we would have to pay two full coverage car insurance plus the car note payments. We told them to come and pick up the vehicle. We explained we placed new tires on the car, and replaced the car battery. They sold the car at an auction and did not include the updates. They then told us we had a remaining balance to pay them. We were again outraged. After a few months of searching for free legal representation, we received a notice of our credit report scoring plummeting tremendously due to XXXX XXXX placing us in collections. XXXX XXXX reported every month of non payment, even though we tried to state the fraudulent act they committed on us. We lost out on home purchasing due to them and as a result we had no choice but to pay the settlement amount they suggested to us in order for them to close the account and have it removed. It is XXXX years later, they still havent removed themselves from our credit and placed the account as a charge off. We paid them in full.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (LA)

On XX/XX/22 I applied online for a U.S. Bank Cash+ Visa Signature Card and some time later I received correspondence dated XX/XX/22 from U.S. Bank stating : " Thank you for your application for a U.S. Bank Signature Rewards Credit Card XXXX After Carefully reviewing your application and income information you provided, we are unable to approve your application at this time due to : Your debt to income ratio exceeds established maximum guidelines '' Then, farther down my income and expenses info was provided and was followed by : " In order to assist us in determining your ability to pay and assign a credit line, please include all income earned by you of any type : '' This was followed by various types of proof of income I could furnish. After this, on the other side of the page was a generic statement about the FCRA including : " Our decision was based in whole or in part on the information obtained from the following consumer credit reporting agencies : '' Farther down was : " The key factors that adversely affected your credit score were : '' - and several reasons were provided as the basis of why I was denied. 

A couple of weeks later I received in the mail a pre-screened offer from U.S.Bank for a State Farm Premier Cash Rewards Visa Signature Card. Confused as to why I'd get this offer so soon after being denied I called U.S. Bank on XX/XX/22 and inquired. I was told that the letter I thought was a denial letter was rather a request for additional information and that because I had not provided it within 30 days of my application the window had been closed. The U.S. Bank rep offered the State Farm card which I turned down. 

After consulting Regulation B I gave U.S. Bank another call and explained the situation once more. I stated that in contravention to Reg B I was not provided a reasonable period of time within which to furnish additional information and that furthermore the wording of the letter appeared more geared towards an adverse action letter. The U.S. Bank rep stated I was sent a letter notifying me that I had XXXX days within which to furnish additional income information to which I replied I had not received such letter. 

The rep then restated that the window for the Signature Rewards Card had elapsed because XXXX days had passed since the date of the application. 

In sum, the XX/XX/22 denial letter was ambiguous and misleading because I read it as an adverse action letter and it was not intended to be XXXX. It contradicted the pre-screened offer relayed to me not more than XXXX weeks after. Upon inquiry I was told that I should have received a letter providing a deadline for proof of income that I did not in fact receive. I was told that the application window was closed without being given a reasonable period of time to provide additional information - information I shouldn't have needed to provide regardless because U.S. Bank had decided I was eligible for its credit card.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Walla Walla (OR)

Explanation of complaint : I went to the hospital at XXXX XXXX XXXX XXXX XXXX XXXX Wa. had XXXX XXXX removed and after I was healed up I went to a follow up with the doctor that did the Procedure at his office at XXXX XXXX XXXX and he told me the procedure was not necessary and that the hospital did it to make money off of me and I wouldnt get a bill from him never got a bill in the mail from him one day I get a letter from collection bureau of Walla Walla after the doctor retired or moved and I told them the same I was told and disputed it and I filled a complaint with Washington department of health and am still waiting to hear back today XX/XX/22 I got a notice of small claims and says I have 14 days to respond case # XXXX out of XXXX XXXX before I had a chance to hear back from my complaint I had made just got the bill today XX/XX/22 from the doctors office by email and Im not disputing all of it only XXXX of it Im disputing I made a complaint to XXXX XXXX XXXX XXXX and they waved all cost because of what happened
Consumer complaint received 2022-06-28
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. (NV)

Account from Identity Theft reporting on my Experian Consumer report. I have submitted my FTC Report, Police Report, and documentation showing that the account documents DO NOT have my handwritten signature on it ( attached ). Experian continues to stall and say that the account is " Verified '' and they refuse to block reporting of this account. I've called " Special Services '' to ask why this is still being reported and Experian " Special Services '' tells me to " Open a Dispute ''. I've opened SEVERAL ; what is the point of a Fraud Department / Special Services Department if you don't look at any of the submitted documentation. Additionally, on the disputed results, it says " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' ; ( factually incorrect- it is still there ), so, which is it??? Lastly, I DID NOT ask for ORGANIZATIONS TO SEE THE RESULTS OF THIS INVESTIGATION. I am not giving anyone permissible purpose to view my report.
Consumer complaint received 2022-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a XXXX XXXX credit card with XXXX that has been fully paid off since XX/XX/XXXX. I received a surprise credit score change of near XXXX points on all 3 major credit bureaus. The credit score change was due to a delinquent balance at XXXX for a {$99.00} annual fee charged on XX/XX/XXXX. I never received a delinquent notice to my email or mailing address prior to XXXX reporting this delinquent balance. I had a credit score of near XXXX before this and I have never missed a payment in my life. After multiple attempts at contacting XXXX to resolve this, I got the run around. I was not aware that I had a {$99.00} annual fee on XX/XX/XXXX. XXXX told me they would notify me in advance when I applied for this card on XX/XX/XXXX, but I never received this notice. I have not used this credit card since XX/XX/XXXX and had lost my login information to the mobile application. I trusted XXXX to send me balance statements and notifications via email or mail, but I never received them. Again, this was an annual fee and not a purchase balance I had. A soon as I was notified by the credit bureaus about this delinquent account I called XXXX and paid off the annual fee of {$99.00} on XX/XX/XXXX. I greatly appreciate XXXX to remove my delinquent inquires immediately due to them not notifying me in advance. Thank you.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

This is now my 4th or 5th complaint with Wells Fargo Bank with no resolution. I have now started seeking legal counsel in order to help me with the injustice and defamation of character I have received. 

On XX/XX/2022 I filed a complaint in regards to my account being closed I.D . Number : XXXX, which was denied by Wells Fargo and the claim was closed. I again filed another complaint on XX/XX/2022 regarding the same issue, I.D . Number : XXXX, which was denied by Wells Fargo Bank again and claim was closed with no resolution. 

Since these complaints have been filed, I have tried opening an account AGAIN at least 2 more times and Wells Fargo has closed the accounts due to CIP and as newly stated on XX/XX/2022, that there are inconsistent internal and public records of my information and identity. In result of this my NEWLY opened accounts as of XX/XX/2022 are in the process of being closed once again. 

I have received mitigation forms in regards to this matter from Wells Fargo Bank and will be responding. 

I now feel that I am being targeted and my character is being challenged, as Wells Fargo Bank continues to tell me after several complaints that I am not providing them with the truth that I have visited their branches on multiple occasions and verified my identity, as well as I have spoken with phone bankers and representatives to verify this. 

Previously my accounts were closed for an unverifiable address, which Wells Fargo Banks system continues to change/adjust on their own from what was provided to them. As the letter states received on XX/XX/2022 ; " recently, we reviewed your consumer file and found missing/ or inaccurate information. '' According to Wells Fargo Bank representative XXXX ID # : XXXX ON XX/XX/2022 AT XXXX, my information on file was correct and I should not have to worry. My account was then closed a few days later. 

According to all credit bureaus, my address is listed and confirmed as what I provided to Wells Fargo Bank. ( Please see attached. ) Another letter received from Wells Fargo Bank on XX/XX/2022 states, " Our records indicate on XX/XX/2022, we received notifications from the United States Postal Service ( USPS ) with regard to your address and as such, YOUR ADDRESS WAS UPDATED AS SHOWN BELOW. '' When Wells Fargo Banks system updates my address from what I provided to them, it triggers my accounts to be closed over and over again. I have a witness as well as Wells Fargo Bank customer who has not had this issue when previously applying with the same address and accounts have never been closed.
Consumer complaint received 2022-06-28
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)

TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI 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 Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Was affected by a data breach at work ( through health insurance carrier ) in XX/XX/2023. There were several inquiries on my account unbeknownst to me. It appears that someone attempted to apply for a credit card using my information.
Consumer complaint received 2022-06-28
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. (FL)

I called XXXX and XXXX to remove inaccurate information on my credit report and they removed it without any issues. However, Experian gave me a hard time and refused to remove the inaccurate address. The customer service rep told me that it wont make a difference if the address was removed or not. He stated that the address was attached to a certain account which I am not familiar with. When I asked which account it was he refused to provide me with the information. This issue made me feel uncomfortable with Experian having access to my personal information and also made me feel like my rights as a consumer does not matter and are not heard.