davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX number : XXXX XXXX number : XXXX XXXX XXXX number : XXXX XXXX XXXX number : XXXX XXXXXXXX XXXX number : XXXX
Consumer complaint received 2020-04-30
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$330.00} XXXX XXXX {$1100.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$8500.00}
Consumer complaint received 2024-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (SC)

I have never had an escrow account with Newrez. I paid my property tax for XXXX and later discovered that Newrez also paid my property tax even though I do not have an escrow account. I have sent their tax department a copy of my payment and the receipt from XXXX county.I have spoken to several senior account managers with Newrez since XX/XX/XXXX and to date no one has corrected the issue. I have spent over 20 hours on the phone with countless Newrez employees trying to rectify their error. They have admitted that I never set up an escrow account. And have stated that it was their error and they are trying to rectify the situation with XXXX County. In the meantime, they are assessing late fees and adversely affecting my credit score by not solving this issue. Every time I deal with a senior account representative they never return my calls or acknowledge my countless emails. I do, however, receive phone calls several times a week stating that my payment is late. I have never missed a payment. Their philosophy seems to be to ignore the consumer and hope the problem solves itself. 

Thank you, XXXX XXXX
Consumer complaint received 2022-07-14
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: WELLS FARGO & COMPANY (CA)

https : XXXX On XX/XX/2022, I started the process for a Home Loan with Wells Fargo XXXX All went through successfully. 

But, last week ( XX/XX/2022 ), the Loan agent contacted me ( using the XXXX XXXX we both work at XXXX XXXX ) saying that the Loan has been expired and in order to renew it they would need to do a new Hard Inquiry on my Credit Report. 

I have a screenshot of this conversation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Tuesday this week ( XX/XX/2022 ), he contacted me again saying : Good afternoon i wanted to confirm about the re pull credit is it ok? 
please confirm today? 

And I answered : Hi! Yes I would confirm you today. Thank you! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Nevertheless, like XXXX mins later, I got a notification in my phone that a Hard Inquiry was made. I contacted the Loan agent again right away : Me : I just got an alert that a hard inquiry was made, why?

Agent : I asked you to confirm i you wanted me to repull credir or the application because the last one expired. you said yes you confirm today. 

Me : Hi! Yes I would confirm you today. Thank you! < -- -- I say yes, I would CONFIRM today. 

Agent : my apologies i thought you were confirming yes Me : You can reverse it or I need to open a dispute? 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I contacted XXXX about this, and they told me that I would need to send them a copy of a Deletion Letter provided by the Creditor. 

Then I contacted my loan agent again ( this time by e-mail ) telling him what XXXX told me and requesting a Deletion Letter. 

Today ( XX/XX/2022 ) I received his answer : Good morning! I spoke with my manager and he stated that he doesnt think any has the ability to write a letter. you gave us permission to pull credit at the beginning of the process. We did not need permission but was just informing him. The misunderstanding is unfortunate but it is up to you to dispute the pull with the credit bureau. I escalated complaint has been filed. 

XXXX XXXX Mortgage Processor ( LO ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - So, they won't provide me with the requested document ( Deletion Letter ) and that is why I am filling this complaint with the CFPB. 

Please help me with this, my credit report already took a XXXX hit because of this unauthorized Hard Inquiry.
Consumer complaint received 2022-04-08
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)

In accotdance with the Fair Credit Reporting Act XXXX  account XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX  XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX acct XXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-30
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX/XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$89.00} XXXX XXXX {$760.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX   XXXX {$330.00}
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (OR)

Chime failed to refund me my balances within 14 day when Chime failed to refund me within 90 days. Which resulted in In me not having access to funds in my bank accounts I was unable to pay for basic living expenses, like gas rent
Consumer complaint received 2020-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Mortgagor, XXXX XXXX NEW REZ Loan Number XXXX The XXXX mtg statement includes a {$3600.00} in legal fee charges that were already paid when I stopped the Notice of Default and foreclosure proceedings, when I brought my loan current after falling behind on my payments. My account was re-instated and brought current with XXXX, mortgage company at that time. On Thursday the XXXX, it was confirmed by a New Rez customer service agent, the aforementioned charge is due to unpaid legal fees. I find it suspicious that XXXX, in any form or way, failed to informed me of the aforementioned, specially when any fees relating to the default were were paid in full. Is this legal? It is my understanding that I paid all monies owed to XXXX in order to bring my account current. To date, payments have been made on time and there should be no reason to have additional legal fees being charged, when everything was paid in 2018. Why are these fees appearing now? Why would XXXX withhold these fees until the loan was transferred to NEW REZ? I find such actions suspicious and merit an investigation by the bank, on the legality of the charges. I refuse to make these payments. The following documents are attached herein : 1 ) copy of the payoff statement 2 ) mortgage statement. 

Please have a XXXX  speaking agent contact me if additional information is needed. Or you can reach me via email Mr. XXXX can be reached at XXXX XXXX XXXX
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, my credit card issued by Bank of America ( BoA ), was charged {$170.00}. This was a fraud purchase that I did not make. The charge was posted on my account on XX/XX/XXXX. 

Since then, I have contacted Bank of America on three separate occasions to resolve this issue. Every time I was made to wait for over 30 minutes on hold and before being redirected to a different department. Finally, BoA mentioned that they will process review my dispute, file a claim, and provide a claim number. 

Its XXXX and I have not received a claim number or any updates on my dispute. No email communication or mail. As I type this report, I am on hold with XXXX customer service waiting for someone from their fraud department to take my call. 

Since it has been over four months, Im filing this complaint in the hope that CFPB can help with the resolution. Please let me know if you need any additional information on this case.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-07-20
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report XXXX XXXX {$230.00}
Consumer complaint received 2020-04-30
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)

I have an account on my file from the XXXX XXXX XXXX. ( Account number XXXX ) I disputed this account for being outside of the 7 year federal obsolescence period for remaining on the file. The bureaus removed it. 

One month later the account came back on my file. XXXX XXXX changed the data on the account to put it back into the obsolescence period ... but didn't count on the fact that I have copied the way the account looked on the bureaus before and after it was removed. 
I have attached two copies of how this account appeared on my file. In XXXX, you can clearly see that the last payment ( the date used to determine the obsolescence time period ) shows as XXXX of XXXX. Since the credit bureau industry uses 6 years and 9 months instead of 7 years ( to assure they remain in compliance XXXX, it was properly removed. 

But XXXX XXXX then CHANGED the data on the account. They removed the last payment date entirely and then deleted all historical payment date prior to XXXX. Thus giving a new obsolescence date. 

Now the FCRA provides two levels of non-compliance. 1 ) Negligent Non-Compliance where someone just makes a mistake. 2 ) Willful Non-Compliance where someone manipulates data to trick the system. The second non-compliance holds that a consumer make seek damages. 

It is clear that the XXXX XXXX XXXX is manipulating data to put items BACK on consumers files in violation of federal law. This should be a class action lawsuit as I am sure this is happening to any of their customers whose collections are removed for obsolescence reasons.
Consumer complaint received 2020-06-12
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. (WA)

Recieved a phone call from XXXX on XX/XX/2020 at XXXX XXXX. 

Caller stated he was was from credit card company and had received information on me about credit card debt from Experian Credit Reporting Service. 

Caller stated could eliminate all credit card debt. When I told the caller was not interested, caller said are you stupid? When asked again how they acquired my information caller stated Experian Credit Reporting Service and said I was a XXXX XXXX. 

I hung up.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2019, someone fraudulently used my XXXX credit card ( issued/managed by XXXX XXXX ) to purchase what appears to be the same item in span of a few days from a store or an online order in New Jersey. I live in XXXX, FL and have not been in that other state. Because I have not used this credit card in years there was no balance, upon this charges occurred statement were sent to wrong address so did not reach me. After a few months XXXX/XXXX   contact me via phone to let me know the balance for those transactions in XXXX, which were overdue, I immediately reported those were fraudulent charges and file the corresponding information to initiate a fraud investigation. When I reached the credit report entities XXXX and Transunion to report fraud, I noticed the negative reporting on my credit report, I have never being late in any outstanding credit account now or ever. I filed a dispute, both entities closed the investigation indicating that my dispute was validated with credit issuer ( XXXX ) but the late payment will remain. The account with was closed and balance removed was not late because I was not responsible for these fraudulent charges. However, despite various attempt to remove the delinquent or missed payments notes on my credit report, XXXX and Transunion has not cleared that from my credit report record, which has a significant impact in me credit score.
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 — Problem with personal statement of dispute
Company: The CBE Group, Inc. (PA)

During the pandemic I lost my full-time job. I was unable to pay my rent and bills. I had to make a decision and I decided to leave the home I rented to live with a family member. During that time I reached out to XXXX XXXX XXXX. I explained to them my situation and asked if I was able to get on a payment arrangement. They said I was unable because I had turned off services. I explained to them that I don't want this to go on my credit. I made it clear that I couldn't pay {$520.00} straight out my pockets. They still refused but made me aware that it doesn't go on your credit right away and that it could take almost years. I then reached to the Public Utilities Commission to make a complaint. After they investigation, they indicated that they couldn't do anything. Now again they sold my gas account to a collection agency. The collection agency The CBE Group INC- Former is asking me for money. It is against the law to sale personally information that I didn't allow.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I filed a dispute in regards to the incorrect and out dated items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-10-20
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. (TX)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-01-06
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-17
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. (CA)

I am very upset at Trans Union and XXXX XXXX XXXX right now. I began disputing an account on my credit report in XXXX since I knew the account was well over 7 years. Not only did I not get a timely investigation, I had to file a complaint just to get the credit bureaus to do an investigation. I finally received written results from Trans Union dated XX/XX/2020 which was XXXX XXXX months after I submitted my initial dispute. 

I was shocked to see the account was verified as accurate by Trans Union. When I received this notice from Trans Union stating as such, I called XXXX XXXX XXXX to figure out what kind of information they had which showed this was indeed an accurate account. I called the number provided in the investigation results by Trans Union for XXXX XXXX XXXX. The individual who answered the phone was named XXXX XXXX XXXX and said his company 's name was XXXX. He also stated they are a non credit reporting entity and they assigned an account which had my info to XXXX XXXX. After I asked for some clarification as to why XXXX XXXX XXXX is on my credit report and was just verified days ago with this number XXXX stated again that XXXX  is a non credit reporting entity. He even said it was his understanding XXXX XXXX XXXX was out of business. 

After hearing everything from XXXX and being told XXXX  purchased the account in question and assigned it to XXXX, I called Trans Union with an advocate. Trans Union wanted us to mail in a power of attorney before they spoke with my advocate but I wasn't going to do that considering how many months it has taken for them to even conclude an investigation which I know was fraudulent. How can Trans Union verify a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesn't even exist anymore. Even if XXXX  purchased this account from XXXX XXXX XXXX, XXXX claimed they are a non-reporting entity so again I ask how could Trans Union have verified this account? 

I don't know what Trans Union did or didn't do but I want this account deleted from my credit report once and for all. Trans Union took 2 1/2 months to conclude an investigation and they clearly didn't do a real investigation since it is impossible they verified something with a company that does not exist. By the way, now that I think about it, I haven't received a response from XXXX either. I did from XXXX. I want to add XXXX to this complaint as well.