davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Unauthorized inquiries from all 3 reports on my credit reports that need to be removed immediatley. 




XXXX XXXX  Sporting Goods Stores Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and XXXX & Ls Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

In the past, I've had several student loans from the US Dept of Education from XXXX. Over time my student loans have been transferred to XXXX, XXXX, and XXXX  I am currently consolidated with XXXX, and the previous loan servicers XXXX and XXXX  are reporting my loans with the correct status, which is paid in full consolidated. US Dept of Education is reporting my student loan as Paid/collections, and this is simply incorrect. I have not done business with this loan servicer in over a decade, and this incorrect information prevents me from purchasing a home. I have spoken with two customer service representatives from the US Dept of Education and a supervisor resulting in no resolution.
Consumer complaint received 2021-08-11
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)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting False inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : ACCOUNT XXXX XXXX openedXX/XX/XXXX for {$350.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX  ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

Cross country mortgage made significant errors in calculating our escrow payments during our refinance resulting in a current escrow shortage. The loan was closed in XX/XX/2020 and already in XX/XX/2020 the loan had a negative escrow by thousands of dollars. This alone appears to demonstrate negligence/recklessness in the calculation of the escrow amount. Our current mortgage payment increased {$500.00} as a result of their incorrect calculations. Cross country mortgage underwrote the loan. Cross country mortgage determined the monthly escrow amount. Cross country mortgage was competing with another lender and lowered our monthly mortgage payment in order to receive our business. The annual taxes have not changed. We received a letter informing us that our prior mortgage payment was short and that the current the mortgage payment increased {$500.00}. I called and spoke with someone at cross country mortgage and was told that when the loan was created {$2900.00} should have been collected at closing instead instead only {$1700.00} was collected. The agent informed me that the escrow payment went up by {$500.00} to cover the shortage which caused the mortgage payment to increase. The escrow shortage has now increased our mortgage payment significantly. Cross country mortgage told us that we had to contact the agent who created the loan. Even though he also works for cross country mortgage. I called the agent and he told me that he did not have access to the current escrow account. 

We have attached emails showing the closing costs and discussion around the escrow. We have also attached our most recent mortgage payment showing the increase.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (IL)

I requested in writing a payoff quote and was told I would have a 7 business day turnaround time. I submitted the request in writing XX/XX/XXXX @ XXXX XXXX CST, received a response on XX/XX/XXXX @ XXXX XXXX CST that my request was received on XX/XX/XXXX and that a payoff quote would be to me within 7 business days. 

XX/XX/XXXX was the 7th business day, so I followed up on my request on XX/XX/XXXX @ XXXX XXXX CST via the email chain the originally requested payoff. I received no response. 

On XX/XX/XXXX @ XXXX XXXX CST, I called Village Capital Investment LLC ( XXXX ) XXXX-XXXX  to get the quote expedited since they were out of tolerance and was informed I would need to wait another full business day. I pleaded with XXXX ID # XXXX with no success, requested a manager, and was given to XXXX, who did not offer any help or solution. When I asked for their ID #, they hung up on me. I called back ( XXXX ) XXXX on XX/XX/XXXX @ XXXX XXXX CST and requested a manager ; I was transferred to XXXX ID # XXXX. He told me, just as everyone else had, they don't count the day the request was received and that I would have the quote sometime today. I explained that CFPB clearly states that the turn time must be within 7 days of receiving the request. And since my request was before business hours, it would be counted as a business day. I pleaded and told him that his borrower had a closing planned in an hour and a half, which was scheduled based on their turnaround time of the payoff. I told him the closing would have to be rescheduled, that his borrower had their house packed up ad this payoff quote is the only thing keeping her from moving. He showed no care nor had any initiative to look into expediting the payoff. There was no attempt to look into it or see if they could help, just a cold hard no. and you'll have it sometime today. This type of inhuman response is appalling and should be met with consequences. They were out of tolerance and did not attempt to remedy the situation. I still do not have the payoff quote and will now have to call their borrower and tell her we have to reschedule their closing and she can not move today as she had planned. Based on the info provided by Village Capital we would have the payoff quote on XX/XX/XXXX so I scheduled the closing for XX/XX/XXXX @ XXXX XXXX CST.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

At XXXX ET on XX/XX/21 I received an email from Wells Fargo titled Get started with your new Wells Fargo account. I then logged into my Wells Fargo app on my phone and noticed I now had 2 checking accounts, the newest account I never opened. I had a few errand to run and immediately when I returned home I called my local branch in XXXX, Pa at XXXX ET on XX/XX/21, I explained my problem to them and they filed a report and directed me to call the main line for Wells Fargo XXXX I called the main line at XXXX ET on XX/XX/21 and once again explained my problem, I was transferred through a few departments explaining my problem over and over, my problem was resolved my username and password for my original account was reset and the newly opened account was put on hold for investigation. I was told the process would take 2-10 days. I spent 57 minutes in the phone with the main office ending my call at XXXX ET on XX/XX/21. I then spoke with my mother at XXXX ET where she k formed me of fraud committed by Wells Fargo by opening accounts in customers names without their knowledge. I spent 16 minutes on the phone with my mother ending the call at XXXX ET. I immediately began researching this fraud incident against Wells Fargo and while doing so I found this agency. I decided I wanted to file a report just in case something similar was happening again. As I went to file this report I logged back into to my Wells Fargo app at roughly XXXX ET on XX/XX/21 and noticed that the newly opened account was already, to my surprise, gone. After being told this would take 2-10 days to resolve I became even more suspicious that it was gone within roughly 30 minutes of my phone call with Wells Fargo. I am not sure as to what happened here but what I do know is I NEVER opened a 2nd checking account in my name nor do I have a need for another account and that with a 2-10 day timeline the newly opened account was gone in roughly 30 minutes. Suspicious or not I felt I definitely needed to report the situation.
Consumer complaint received 2021-09-10
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. (TX)

to whom it may concern, on XX/XX/ I mailed out a certified letter through US postage seeking a full disclosure of a previous re-investigations on the following negative items on my account which appear as follow ; XXXX XXXX Account # XXXX. Balance {$11000.00}. 

XXXX XXXX credit card Account # XXXX. Balance {$680.00}. 


XXXX XXXX credit card Account # XXXX. Balance {$110.00}. 

A second XXXX XXXX credit card account which appears to be double account with a slightly different account # XXXX with a balance of {$590.00}. 

XXXX XXXX XXXX Account # XXXX Balance {$0.00}. 
XXXX Account # XXXX. Balance {$400.00}. 

This credit reporting agency is in direct violation of the FCRA rule 611 ( a ) ( 6 ) ( B ( iii ) which states that the consumer may request a description of the procedure used to determine the accuracy and completeness of the information. And shell be provided by the credit reporting agency. 
I also specified in my letter that any automated response or e-Oscar digital verification method would be unacceptable.
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (NC)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. I the original creditor extended them credit and the alleged interest, and insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law 15 USC 1605. They have committed fraud and several violations of the FDCPA and TILA. I never received a Material Disclosure of any of the information about my right to recission pursuant to 15 USC 1635 that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail and i am now enforcing my rights to Cease and Desist Pursuant to federal law 15 USC 1692c. I've included documentary evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not responded to any of my affidavits of truth since XX/XX/XXXX and silence is acceptance, see National Union Fire Insurance Co. v. Ehrlich, 122 Misc. 682 ( N.Y. App. Div. 1924 ). My reputation has been damaged through the credit reporting agencies, this fraudulent loan raised my debt to income ration and i was turned downed for other consumer credit transactions because of this alleged debt on my consumer report. cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Consumer complaint received 2022-02-10
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. (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports provided by TransUnion. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXN Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX AL XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXXT Date of inquiry XX/XX/XXXX TXXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I was notified by mail multiple times by Portfolio Recovery Associates, LLC of an alleged debt. To which I found multiple violations pursuant to 15 USC 1692 ( Fair Debt Collection Practices Act ). I then mailed them an Affidavit, Bill of Particulars ( Invoice ), and Cease and Desist notices on XX/XX/XXXX which they received on XX/XX/XXXX and had 10 business day to respond to. They then proceeded to respond by sending me a statement in the mail which I received on XX/XX/XXXX but dated XX/XX/XXXX after failing to respond to my affidavit defaulting and disregarding my Cease and Desist.
Consumer complaint received 2021-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

First, I have been charged student loan interest during the Government stay on Federal loans during the pandemic on multiple held loans by Navient. I will list each below. What they have done is taken off the interest amount and just added it to the principal of the loan. Resulting in my loan increasing during a lawful stay on loans. I'm sure this is not legal or complies with the lending standards. 

Fraud charge # 1 : XXXX XXXXUnsubsidized on XX/XX/XXXX of {$69.00} increase Fraud charge # 2 : XXXX XXXX-Unsubsidized on XX/XX/XXXX of {$240.00} increase Fraud charge # 3 : XXXX XXXX-Subsidized on XX/XX/XXXX of {$63.00} increase Loans XXXX & XXXX XXXX are also reflecting a 6.8 % interest active. 

Second, this caused me to look further into the insanely high balance reflected currently with my account. All these years I haven't had the time to dig in and pursue. I do have that time now. You are showing my total balance of {$76000.00}. 
Adding up all the loans reflecting on my account including interest, loans that were previously cancelled ( i'll explain this further next ), including all costs possible you have on there. I am coming up with a very different number. Including all listed the total amount actually is {$70000.00} at max. This does not include any payments made. Now, unless my calculator and education I paid too much for is failing me that is an issue on their part. I would like to think this would be a simple mistake or oversight from them, otherwise this would be taking advantage of students that are already struggling with costs for higher education. I would expect that to be corrected. 

Third, last but not least. There are a total of 5 loans from XXXX that have previously been filled on to be dismissed due to school fraud ( multiple lawsuits ) and closure. These loans are as follows. 

Loan # 1 : XXXX XXXX-Unsubsidized total {$2700.00} University XXXX XXXX Loan # 2 : XXXX XXXX-subsidized total {$740.00} University XXXX XXXX XXXX # 3 : XXXX Direct- subsidized {$3400.00} XXXX XXXX Loan # 4 XXXX Direct- Unsubsidized {$4200.00} XXXX  XXXX Loan # 5 XXXX Direct-unsubsidized {$530.00} XXXX XXXX Grand total {$11000.00} I can be contacted directly via email at XXXX Cell ( XXXX ) XXXX are the best ways to reach me.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been paying on my Capital One account for over two years although it is reported as closed. Each month after making my scheduled automatic payment, my balance of {$2400.00} continues to be erroneously reported as the same although there is a statement in my email and on my credit reports that states the balance is updated on the XXXX of each month. However, the balance has not been updated in over six months or more. Therefore, I am attaching my payment schedule which reflects that I have XXXX payments of {$94.00} and one payment of {$94.00} left to pay off the balance as of XX/XX/22 which totals {$1400.00}. This is a difference of {$1000.00} which will make a difference in my total debt to income ratio on my three credit reports. In addition, it is important to have this balance reported correctly because it negatively impacts my credit score especially when I am in the process of purchasing a home.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

hello i wouls like to state i XXXX XXXX pay my bills on time i have all my bill confirmation and receipts and there are false errors in my credit report making my credit bad never had a credit card or been in any type of dept i would like my credit score to be investigated i feel its to low for the bills that i payed off my info XXXX XXXX XX/XX/1986 XXXX XXXX Address XXXX XXXX XXXX i would like to file suit for Defamation of Character XXXX equifax XXXX and XXXX have not giving me my correct credit score i would like it to be fix i should be allowed monetary compensation under the FCRA act i have lost assets do to this false credit report the next complaint about my false credit errors goes fedreal trade commission
Consumer complaint received 2021-08-09
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)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX  DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX-XXXX  XXXX  Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX  TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX  XXXX. 




I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX