davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report
Consumer complaint received 2022-09-18
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. (PA)

In accordance with the Fair Credit Reporting act 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 2022-06-24
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. (MT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX XXXX opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX XXXX {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$13.00}. According to FCRA Section 605B ( a ) the 3 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.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-01
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Equifax for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

XXXX and XXXX XXXX has a fixed rate mortgage loan with United Wholesale Mortgage ( UWM ). Our mortgage payment was {$10000.00} since inception. In XXXX of this year, UWM sent me an email that they were completing an escrow analysis as the loan payment includes property taxes and homeowners insurance. The results of the analysis was that due to my homeowners insurance increasing, my loan payment was going up to {$10000.00}. The homeowners insurance changed from an annual fee of {$1000.00} to {$3100.00}. This {$2000.00} increase amortized over twelve months should have resulted in a payment increase of {$170.00}. UMW increased my loan payment by {$660.00} to {$10000.00}. Since XXXX of this year, I have reached out to UWM five times in an attempt to correct this error. I've asked for another escrow analysis after I confirmed that my property taxes did not change. UWM has not responded. I have asked to take my homeowners insurance out of escrow so that I could pay it myself and they responded that due to the terms on the loan, i could not pay my own insurance. The dates that I reached out to them are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like my loan payment reduced to {$10000.00} or be allowed to take my homeowners insurance out of escrow and pay it myself and keep the payment at XXXX.
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the XXXX XXXX XXXX Account, 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 2024-08-29
Product: Credit reporting 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 recently reviewed my Consumer Reports and noticed several late payments on an account I was never late for. 

The account is for XXXX XXXX and the account number is XXXX. 

Consumer reporting agencies have assumed a vital role in our financial system and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. 

Please investigate this matter immediately and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to " On Time '' as they should be. 

Thank you for your time and attention to this matter.
Consumer complaint received 2022-08-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (MD)

What caused me to get behind on my mortgage payments was you HOME POINT FINANCIAL never allowed me to make or would receive my trail payments, see attachment dated : XX/XX/2020, and BLOCKED me from any online access even to this date. 

I dont get it I am a US Veteran of the XXXX XXXX, XXXX XXXX XXXX XXXX ) Honorably Discharge with XXXX, married with XXXX children ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX ) to care for. My income is stable I am more than capable of making my mortgage payments. 

I am resubmitting another Mortgage Assistance Application and compelled to file a Complaint to Consumer Financial Protection Bureau and/or to the Veteran Affairs on my VA mortgage loan to resolve this matter with all my correspondences that you ignored in order to reconcile your error of an approved loan modification. 

DO YOU TREAT ALL U.S. VETERANS THIS WAY?
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I have a Barclays XXXX and was charged for a service that I ( we ) did not get. The date of posting was XX/XX/22 in the amount of {$60.00}. On XX/XX/22, my husband went online to XXXX XXXX XXXX XXXX ) and paid for two seat upgrades for a return flight from XXXXXXXX to XXXXXXXX XXXX  for our XX/XX/22 return flight home from XXXX. Each seat upgrade was for {$30.00} and with the exchange rate, the transaction amount posted was {$60.00}. 
When we arrived at the XXXX XXXX, we did not get our upgraded seats as shown on our online receipt from XXXX and it was a full flight so they did nothing. 
When we arrived home, I contacted XXXX on XX/XX/22 ( XXXX ) and spoke with XXXX in Customer Service. She would not initiate a refund and instructed me to go back to the agency we booked travel with. That agency in turn said it was a XXXX booking and not theirs and could not initiate a refund. 
I called Barclays Card Services on XX/XX/22 and initiated a dispute of this charge. I was told to send in all documentation supporting my claim to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX which I did. I was given provisional credit for {$60.00} while they investigated my claim. On XX/XX/22 I received a letter stating that they had reversed the provisional becasue XXXX said it was a valid fee for a BAGGAGE FEE. I called in to XXXX XXXX on XX/XX/22 and spoke with XXXX who understood that it was NOT for a baggage fee and for seat upgrades and subsequently instructed me to resubmit all the documentation again. The letter from them stated that I may reassert my claim within 10 days of receiving this letter by sending it signed and dated which I did on XX/XX/22 which was within my ten days. 
On XX/XX/22 I received a letter from Barclays that they were outside of the permitted time frames to continue this claim through the dispute process and to seek refund from XXXX. 
I was well within their stated time frames and called in XX/XX/22 and spoke with XXXX in the Disputes Department. She stated their was nothing they could do and to pursue it with XXXX also. 
Under Regulation Z, I was within my consumer rights to assert this claim and should have received a refund from Barclays which should not be contingent upon their ability to collect.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (WV)

On XX/XX/XXXX I called Chime about an account opened in my name that XXXX warned me about. After talking to a support person at Chime that I could barely understand, or hear, and they could not understand much of what I was saying they put a hold on my account because they did not understand the situation. I replied to the e-mail with the information they requested ID card, and what not. At this point they closed my account. 

" Were sorry to share the news that we have decided to close your Chime XXXX XXXX XXXX Credit Card Account and Chime XXXX XXXX XXXX Account, effective immediately. 

Your account was closed for the following reason ( s ) : We were unable to verify your identity. 

At this time, you are not eligible for a refund of any remaining account balance. '' I sent all of the relevant information they asked for that 100 % verifies my identity, and they closed it stating they couldn't. At this point I sent them a support e-mail trying to recover my account. 

The only information they will give me now is as follows. 

" Weve determined your account is not in compliance with Chimes internal policies and member agreement executed at enrollment. '' As soon as they closed my account for no reason I changed my direct deposit to go back to my other bank account. Today when I was paid the deposit went to Chime, which is closed. Now they are holding all of my money including direct deposit for no reason, and basically have said I will not be getting my money back.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX # XXXX, XXXXl XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (WY)

In XX/XX/XXXX, I was on a call with Truist, the lady gave me 3 options for repayment on missed payments. We chose the deferral. 
On that call she never once said we had to be XXXX payments past due to be eligible for the deferral. So we were completely u aware, that During that time our mortgage was in jeopardy. We are XXXX payments past due which I have filled out multiple packets which truest continually says that they are not receiving information. Denied XXXX packets. 
Called the wrong number, sent it to the wrong address. I was approved for HAF funding in the amount of XXXX the funding has been sent out on XXXX XXXX. Truist returned my XXXX payment. Today XX/XX/XXXX Truist has called again. Saying they havent received the HAF funding, and there is no record!!! I am so sick of them, they have continued to screw up my loan, never once have they said the right information on any calls. My home mortgage counselor too has revived false information I am asking you to please investigate them before something happens to my home apparently all these phone calls are monitored but they cant review any of those phone calls to fix their mistakes
Consumer complaint received 2022-07-14
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)

Hello, my name is XXXX XXXX XXXX, and 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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2023, at XXXX XXXX, I deposit {$800.00} in the Wells Fargo AMT on XXXX XXXX XXXX in XXXX, Georgia. The Atm machine took my money which consisted of XXXX 's and XXXX 's dollar bills and my debit card then jammed. The machine stated on the screen that it could detail the deposit. I tried entering the amount on the screen. The screen was frozen. The Atm then went into restart mode. It never returned my money or the debit card. It did give me a receipt stating that my deposit must be verified. I took pictures of the screen also. I immediately called Wells Fargo Customer service with the phone number on my account business debit card. I explained to the customer service representative that I was depositing funds for my mortgage payment. I had already made my mortgage payment to XXXX XXXX  by check for {$1700.00}. I had cashed a check with XXXX XXXX  XXXX for {$1800.00}. The {$800.00} was the first portion of an {$1800.00} deposit. All banks are within a mile radius of each other. I repeatedly voice my concern about my mortgage check being returned. The customer service agent stated that Wells Fargo would cover all fees associated with the returned mortgage payment. Who wants their mortgage payment returned? The representative had little concern regarding my mortgage payment or {$800.00} stolen by the ATM Machine. He told me he would file a Claim. The Claim # XXXX. I knew my mortgage check would be presented the next day and it was. On XX/XX/2023, after the Atm incident, I made 2 deposits into my Wells Fargo personal Account at the Wells Fargo XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I deposited the additional {$1000.00} from the {$1800.00} XXXX XXXX  XXXX cashed check. I then returned back to XXXX XXXX  XXXX withdrawing an additional {$660.00} and adding {$40.00} from cash in my purse. I then deposit another {$700.00} into my Wells Fargo Account ensuring that my mortgage check was not returned by Wells Fargo. The next day I received a deposit in my Wells Fargo Personal account in the amount of {$100.00} from the ATM deposit. I called Wells Fargo again regarding the {$700.00} shortage. I was told it could take then 10 days to credit my account the full amount. Why should I have to wait 10 days for them to give me my money due to their faulty ATM machine? I am outraged over the handling of this situation. I used the same bank of Atm the month prior for the same situation. I deposit {$2000.00} in XXXX of XXXX. The machine appears to be new.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (TX)

I sent letters to Experian, XXXX, and XXXX on XX/XX/22 disputing an account on my credit report that they are inaccurately reporting. The account in question is XXXX XXXX XXXX XXXX. The information across all 3 bureaus is inconsistent and incorrect. Experian and XXXX are reporting different late payments, but how can this be when the data furnished should be the same? Also, I was never late on this account because I was on deferment due to covid. I am actually protected under the CARES ACT so I am not sure why this hasn't been updated. Another violation is that XXXX has no payment history-only has it as being charged off, but somehow the other 2 bureaus are reporting late payment history along with it being charged off. I have tried to have this information corrected for over 4 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and/or the account to be deleted. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. Please find the credit reports attached. Please conduct a proper investigation and update this account. My email is XXXX XXXX