davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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. (OK)

On XX/XX/XXXX, I was on my way to physical therapy when I was hit by a lady who had no drivers license or insurance. The lady was at fault and received several tickets. My insurance company XXXX determined that my car was a total lose and issued XXXX XXXX a payment of XXXX, XXXX on XX/XX/XXXX. On the day of my accident I got a payoff quote sent to me from credit acceptance ( The Payoff Amount owed on the Account is {$13000.00} as of XX/XX/XXXX ) and I notified them of the accident. I also purchased GAP insurance and a warranty when I purchased the car which totaled 4000, which should take care of the difference. XXXX XXXX is now saying I dont have Gap or a warranty and is reporting to the credit bureaus that I am 60-90 days behind on payments and owe them 2000 ( the amount keeps rising so Im not for sure on amount ). This is the second time reporting XXXX XXXX the first time was for the FAKE warranty that I purchased and now to find out the Gap insurance I purchased was a scam also. 
I sent a dispute to all three credit bureaus that showed all this and explained the date of the last payment was wrong which according to MY RIGHTS the credit bureaus should have deleted it because of incorrect information instead ignored my request and said it was reporting correctly. This would also be the second time all three credit bureaus violated MY RIGHTS, I am also sending a copy of the first dispute where all three credit bureaus refused to delete incorrect payment information.
Consumer complaint received 2022-01-07
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/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

I requested information on removing the PMI from my mortgage. A form was mailed to me describing the options to remove the PMI. One of those options was to have the house reappraised and if the new value of the home brings my XXXX below 80 % the PMI can be removed. I paid over {$500.00} to have the appraisal done. After the appraisal I received a letter that the request to remove PMI was denied because there was not " substantial upgrades '' done to the home. One of the stipulations was that if the loan is less than 2 years old there needs to be substantial upgrades. Before I agreed to have the house appraised I personally believed there were substantial upgrades and I listed them on the form. There was never a list describing exactly what substantial upgrades consisted of. So, even though the house appraised for a significantly higher value to bring the XXXX down below 80 %, the request was denied. 

I spent countless hours and spoke to countless people and explained to them that I didn't think it was fair because I didnt receive a list of what " substantial upgrades '' consisted of. If I had known what that list was I would never had agreed to spend money to have the house reappraised because I would basically be throwing money out of the window. 

This is what I really have a problem with ... After requesting all the signed forms I received two different forms from them. One is the form I signed requesting a reappraisal and nowhere does it state what substantial upgrades consisted of. An additional form was sent to me that mimics the one I signed but the only difference is it states exactly what substantial upgrades are. It looks to be a modified version of the one I signed. I feel that the company altered the document to reflect what substantial upgrades were and sent that to me. This form was not signed and I definitely did not receive it. I have a well kept file of all documents received from the bank. 

I have received customer service that is far below what I would have expected. I have spent hours on hold and spoken to multiple different associates who all seem to not have a grasp on exactly what is going on here. I feel that this company has taken advantage of me during a time that large companies should be looking for any way possible to help out a fellow citizen. This company has not budged at all or offered any resolution to my concern. I have been an outstanding customer and have made all of my payments in a timely manner.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (CA)

I paid off a collection from XXXX XXXX XXXX in XXXX of 2021 with the express verbal agreement the collection would be removed from any and all credit reports. However over ten months have passed and the account continues to show on my credit reports with an unpaid balance.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

1. These transactions into Coinbase company were part of a cryptocurrency scam.

2. After several days investigation, there are plenty and verifiable evidence along with other victims indicating this is a cryptocurrency scam and fraud. The website has showed the fraudulent activities. XXXX XXXX XXXX XXXX XXXX. I tracked the downstream wallet, which was report many times for fraud, and Coinbase ignored the problems and they didnt do anything to investigate or close the fraud wallet.

4. Coinbase has a big loophole that makes it easy for the scammers to do money laundering and allows scam site to launder funds to their platform. Such merchant was contributed to fraudulent practices and did not have any safety precautions in place to protect myself and others from this happening.
Consumer complaint received 2022-02-13
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. (NC)

I am a consumer whos rights has been violated. I extended the use of my credit to USDA RURAL DEVELOPMENT. The company have operated dis honorably and have conspired with the consumer credit reporting agencies to deprive me the benefits of my credit which caused serious damage and interference with commerce. I have tried to resolve this matter. The account has been is dispute status for over a year, the debt hasnt been validated and my consumer credit has been destroyed. During the debt validation process all collections must stop. USDA and reporting agencies has reported three late payments which is fraud and has severely caused damages to my consumer profile which has yet to verified. Transunion has banned, stopped me from putting in disputes about USDA. These corporation are operating above the law and no one seems to care. I hope this message reaches a pure soul who is here to help.
Consumer complaint received 2022-08-08
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. (CA)

I sent a letter on XX/XX/XXXX addressed to the Credit bureaus requesting to remove the NAMES, ADDRESSES, and Public Informartion that is UNKNOWN to me. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. If Experian and XXXX choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. I need the Credit Bureaus to please remove the disputed items completely from my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-01-07
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. (FL)

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from XXXX XXXX. While auditing my credit repair, I came across a few errors. XXXX XXXX Bank is not reporting the same date opened to all 3 credit bureau, XXXX XXXX Bank is not reporting the same High Credit to all 3 credit bureaus, XXXX XXXX Banks is not reporting the date last active the same to all 3 credit bureaus. Because of XXXX XXXX Bank not reporting accurately to the credit reporting agency the same across the board, its affecting my scores and worthiness. I tried challenging heir Accuracy and Integrity but no one from XXXX XXXX Bank or the Credit Bureaus have answered my issues. The negative and defaming information is hindering me from getting a favorable XXXX XXXX and interest rate. I reached out to the credit bureaus ( Transunion, XXXX, XXXX ), they never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Consumer complaint received 2021-12-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

- We are trying to refinance our second home property at XXXX XXXX XXXX XXXX XXXX CA XXXX. - name XXXX XXXX XXXX Wells Fargo keeps manufacturing reasons and delaying the refinance. 
- Aside from taking an unusual amount of time we have more than met all guide lines but they have made these excuses with long delays 1- We had a forbearance with XXXX. Wells Fargo said a Verification of Mortgage would suffice in showing an end to the forbearance. We produced that document from XXXX to then have Wells Fargo tell us we need a letter showing an end date to the forbearance. XXXX said they do not produce and to use the Verification of Mortgage which is standard. 
After working days with XXXX  I was able to have them produce a letter showing an end date. All of this despite Wells Fargo saying a Verification of Mortgage would suffice in the beginning- they then changed the guideline to a letter showing an end date knowing I did not have one. 

2- As of XX/XX/XXXX I requested for an update since it had been weeks since all paperwork was provided. The response I got " Unfortunately, not good news due to the forbearance. They stated that 3 consecutive payments were not made in time before the application. Underwriter stated we can re-apply and have it assigned back to her and can approve it as shes aware of the file. 

We were not able to get an exception and approve the current transaction since his third payment was made on time after catching up the loan as of XX/XX/XXXX which was after the application date of XXXX " This again was newly manufactured underwriting guidelines. I showed all my payment history with large lum sums paying off the forbearance amount and three consecutive payments for the three previous months- XXXX, XXXX and XXXX Now months after the fact they say they needed to see three consecutive payments before my application??? - new info and I did provide months of payments From XXXX - XXXX- the monthly mortgage along with large payoff amounts. This could have been determined when I first uploaded my payment history. Showing 6 months or more of consecutive payments. This is brand new information/ rules after they pushed this and delayed this well into the holiday season. 

I only found out because I proactively reached out. They have no reason to not honor our refinance - these practices are unfair, scrupulous and deceitful to consumers. They can not make guidelines on the fly that apply to one consumer and not to others. They are working well outside the bounds of fair and normal guidelines not to mention prolonging this as a wear down tactic- Please advise asap as they will now use the excuse that the refi paperworks is aged and all needs to be updated.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

There is a Bankruptcy ( XXXX ) listed on my credit report. It may belong to somebody else with the same name as me and is on my report in error, I am not sure. I have attempted to fix this issue with the three bureaus, though unsuccessfully. I have sent monthly dispute letters via certified mail. All three bureaus claim the XXXX was " verified as accurate ''. XXXX stated they verified the account through third party XXXX. This is not possible because I have confirmation from XXXX that my account has a security freeze placed so they are not providing info to anyone regarding my account AND they sent me a letter confirming they removed the listed XXXX in compliance with the Fair Credit reporting Act ( attached ). This proves that XXXX did not verify through XXXX. Experian stated they verified the account as accurate through " the company that reported the bankruptcy ''. They did not provide info regarding who reported this error. I did contact the Court that Experian listed and they stated they did not report it nor did they verify it as accurate. XXXX stated they verified it as accurate and provided no further information. XXXX also states on its website that it verifies XXXX using XXXX. At this point I am at a loss as to where or who I need to contact to have this very harmful error fixed
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (FL)

XX/XX/XXXX Consumer Financial Protection Bureau Office of Innovation - Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX XXXX Washington XXXX DC XXXX U.S. Department of Justice Internal Revenue Service Bankruptcy Specialist XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Washington, DC XXXX To : Consumer Financial Protection Bureau Re : US Bank - complaints on file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( Marked as a duplicate complaint on XX/XX/XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Closed Marked as a duplicate complaint XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX Company response is in progress as of XX/XX/XXXX in relation to CFPB 's personal own statement that " Each week we send more than XXXX complaints about financial products anld services to companies for response. If another agency would be better able to assist, we'll send it to them and let you know. Most companies respond within 15 days. '' and the details listed below. 


Dear CFPB, on XX/XX/XXXX, a US Bank National Representative, on behalf of US Bank National Association, filed into the public records of XXXX XXXX XXXX XXXX XXXX, a list of their own Corporate Representatives, who have personal knowledge of all matters pertaining to me and any business relationship/interactions occurring between me and US Bank National from XXXX to the present date. 

The first complaint submitted to the CFPB regarding US Bank National was on XX/XX/XXXX and submitted thereafter, CAN be responded to within the 15 days alloted by the CFPB and the Bank does not require more time, as they have indicated in a response to the XX/XX/XXXX complaint. 

On XX/XX/XXXX, each individual listed below was personally named as a witness in an action filed against me by US BANK National, and each individual should be contacted directly to respond to all complaints that I have filed with the CFPB sent to US Bank National and are still awaiting their response.

US Bank National described these individuals witnesses as its own : " Corporate Representatives '' - see the attached Court Filing # XXXX E-Filed XX/XX/XXXX XXXX XXXX, who are individuals that are willing to and will testify as to authenticity of documents, the boarding process of business records, and that the records are kept in the course of regularly conducted business. These Corporate Representatives of US BANK NATIONAL have stated that they can also testify as to the fact that a default occurred and the amounts are due and owing. These corporate representatives of US BANK NATIONAL are listed as follows : XXXX XXXX XXXX XXXX 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 2022-06-13
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX  now.with no help.
Consumer complaint received 2021-12-24
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 COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX