davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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. (NC)

I sent a letter to the courthouse asking do they report " Dismissed '' bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 2023-03-09
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. (NY)

XXXX XXXX XXXX ( XXXX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXX XXXX XXXX ( XXXX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted.

Who Must File File Form 1099-C if you are any of the following.

A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ).

A credit union.

Any of the following, its successor, or subunit of one of the following.

Federal Deposit Insurance Corporation.

National Credit Union Administration.

Any other federal executive agency, including government corporations. 
Any military department. 
U.S. Postal Service.

Postal Rate Commission.

A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency.

A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government.

Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.
Consumer complaint received 2022-12-20
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. (KS)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This company did not complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XXXX 

XXXX {$7200.00} ( XXXX  Transunion, and XXXX )
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

To my surprise, I was charged {$10.00} checking account monthly service fee with Wells Fargo. As far as I was aware, based on the account terms I agreed in XXXX, there shouldn't be any fees. The terms were : Direct deposit, daily account balance minimum of {$500.00} or a minimum {$25.00} automatic transfer to a savings account. I had a savings account to accommodate that requirement. 
Apperenty, Wells Fargo changed those requirements in XXXX and " notified '' me via monthly statement. The new requirements are : Maintain a {$1500.00}, minimum daily balance {$500.00} or more in total qualifying direct deposits Monthly, automatic payment to a Wells Fargo home equity/personal loan, personal line of credit or home mortgage I didn't receive any additional notifications to look for an important information on my statement. No additional notification letters or emails were sent in that matter as well. 
I use XXXX money management software and online banking to keep track of the transactions. I extremely rarely look at my monthly statement since all of my balances and transactions usually match. Therefor, I didn't receive notification about the changes to my account. 
I spoke to Wells Fargo more that once about this issue. They refunded {$10.00} fee I was charged. However, they refused to acknowledge the failure in communication with me about the changes to my account. I was told it is my responsibility to check my monthly statement and know about changes. They said I agreed to have any account terms changes by Wells Fargo at any time, according to the account agreement. 
" Per the Deposit Account Agreement ( page 38 ), we can change the terms, including account fees and features, at any time by adding new terms or conditions, or by modifying or deleting existing ones. We will describe the change along with the effective date in a message within the account statement or by any other appropriate means. '' I expressed my absolute disappointment with how Wells Fargo communicates with their customers. I didn't feel any appreciation for my business with them for almost XXXX years. I communicated that any important notifications should be sent via mail or email, based on a customer choice, and confirmed they were received and understood. 
I believe this is unfair practice by Wells Fargo and it should be addressed as there might be a very large group of people who were not aware of this or other kind of important changes to their account terms.
Consumer complaint received 2022-08-15
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. (IL)

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 XXXX 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

We refinanced our home in XX/XX/XXXX. In late XXXX our insurer billed our new mortgage company for the annual premium. our mortgage company paid {$220.00} of the {$1600.00} annual renewal out of escrow funds. 
We started getting notification from the insurance company that unless the balance due was paid by a certain date, the insurance would cancel leaving our VA mortgaged home without coverage. The insurer also notified the mortgage holder to the best of my knowledge. I called the mortgage company and talked to a customer representative who advised me that is how they did things, pay by the month on insurance, etc. that sounded strange to me. our mortgage company did nothing, I received a letter from the insurer of their intent to cancel which I scanned and sent to the mortgagor. They paid the remaining balance almost immediately. the dates involved are XXXX XXXX thru XXXX XX/XX/XXXX. 
the mortgage company sent a letter to me requesting verification of coverage during that time period. 
when we were told the policy had in fact been cancelled we paid out of our pocket to reinstate the policy a sum of {$130.00}. this was placed on a credit card. after the policy was paid in full by the mortgage company from escrow funds, we were reimbursed by the insurance company. 
we kept getting letters from the mortgage company stating they needed coverage verification or they would charge {$100.00} for single interest insurance for those 17 days. 
we kept calling trying to get someone online to address this fiasco, we talked to several people, some told us we were ok, that was just a form letter, some told us they were opening a research task and would notify us of the results. 
this continued from XXXX until XXXX, at which time the mortgage company charged us {$100.00} and took the monies out of escrow funds. 
I am concerned that the mortgage company did not pay the annual insurance renewal when it was billed, that they are trying to hold me responsible, and that their customer service representatives are not as knowledgeable as they should be. 
the insurance providers correspondence states that if the mortgage company pays the bill from escrow the mortgagee doesn't need to do anything else, and in the mortgage companies escrow logs they state that they are the responsible party for paying the bill on the customers behalf. I took them at their word.
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Complete Credit Solutions, Inc. (NC)

In XXXX of 2019, I financed a living room set from XXXX XXXX XXXX XXXX through XXXX. The original debt was approximately {$1100.00}. I was making my payments for a few months, but then lost my job. A few natural disasters and a pandemic occurred, and I still have not been able to secure employment. I started to get calls over and over from XXXX on my cell phone to pay my bill. I was never offered an arrangement or anything to resolve the issue. Now Im getting phone calls from a collection company that states they are a lawyer last name XXXX office, and that Im going to jail for theft, defamation and fraud. I was told that I was sent letters for an arrangement, however, I did not receive anything. The woman on the phone is accusing me of being a thief, telling me that now i owe {$3800.00}, and saying that shes just going to turn me over to court and a judge will order me to get arrested for fraud and theft. They keep calling my cell phone under a private number, though Ive asked them to stop because I feel threatened, humiliated, and harassed.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NJ)

I was double charged on my escrow for the home insurance payment last year - {$800.00} on XX/XX/XXXX and then {$810.00} on XX/XX/XXXX. My husband and I tried contacting the Mortgage Company ( Flagstar ) to see what happened - apparently the first check issued ( {$800.00} on XXXX ) is not enough to cover the total due amount. 
Flagstar issued a second check on XX/XX/XXXX for {$810.00}. Flagstar deducted both in our escrow. 

On one of the calls Flagstar was saying both checks has been cashed in by the insurance company ( XXXX XXXX ) based on their records. On another call where I was with XXXX XXXX ( insurance company ) and Flagstar Bank ( mortgage company ) - XX/XX/XXXX sometime XXXX to XXXX XXXX, XXXX XXXX confirmed they did not cash in the other check ( {$800.00} ) and the representative from Flagstar Bank confirmed that the other check was not cashed in. Flagstar said they will check with their department. Maybe 2 to 3 weeks after that my husband called and he was able to talk to a team leader from Flagstar - the team leader said they will try to ask approval for a refund from their leadership/upper management. Today, XX/XX/XXXX, I did a follow up on the refund request and the representative I talked to didn't even tell me anything about it. He said they'll have to contact the insurance company again. It's like they don't keep a trail of what is happening in our case or they just want us to run in circles. I asked him what the status of the refund request was, and that's the only time he said it was rejected! He was purposely leaving out that information from me, it is so frustrating. I work fair, I pay fair, and I live fair. I just want back the money that is rightfully mine. 
Up to this day we did not receive anything - not a check in the mail or not a refund in our online account.
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ive sent a letter on XXXX to all 3 major credit reporting agency regarding some inaccurate accounts on my credit report. its been 3 month and I have not gotten a response yet. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately.
Consumer complaint received 2022-06-24
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. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-15
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance XXXX {$680.00} XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance : {$260.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$440.00} ( Original Creditor : ) XXXX Balance : {$150.00} ( Original Creditor : ) XXXX Balance : {$190.00} ( Original Creditor : ) XXXX Balance : {$200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This account don't belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory on experian. 

XXXX. Identity Theft BANK OF AMERICA Account Number : XXXXXXXX* This is not mine.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have dispute all of the information XXXX XXXX has report and for good reason. My latest complaint CFPB Case No : XXXX returned results showing they are reporting false information and targeting me for financial gain. First let me state that XXXX XXXX never sent anything addressed to me about a repossession or sale and as a co-signer I should have been notified. I am attaching what they sent me and would like you to look into their falsifying the papers. First let me start by saying nothing was sent in my name until XX/XX/XXXX after car was sold. The address on first letter is correct but my name they left out the middle XXXX Second letter is a notice of intent of repossession and if you will note date is states XX/XX/XXXX. Address has 4 extra digits and they have XXXX XXXX XXXX next to mine and the street address is being spelled incorrect while falsifying these papers. It also shows Certified mail which I never received or signed for and they refused to provide this evidence. Please read the body of that letter the amounts and dates are not matching what they are saying, Third letter again 4 extra numbers and the address for XXXX is spelled correct but the XXXX was left off. Again they state certified mail and I NEVER signed for that fake letter. Next letter date is XX/XX/XXXX and it to was not signed for and that date would have been 2 months after the so called sale. Next notice on XX/XX/XXXX I got regular mail and that address had a mis-spelling on this response but correct spelling on my physical letter I got in the mail. Then letter dated XX/XX/XXXX has XXXX spelled wrong and not 4 extra digits. Last let me point you to the information in blue it shows XXXX XXXX instead of XXXX XXXX XXXX as the others stated. This company has me in fear of my life as they are reporting false information, destroying my credit and I am XXXX and have nothing yet they are targeting me after the fact of their damage. Again I am attaching their response through you. I need this off my records or I may have to go to court. Forwarding this to XXXX XXXX will allow them to change their papers but I have forwarded it to 3 places and printed one out for my safety and placed in a safe.