davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
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)

XXXX XXXXXX/XX/XXXXhas reached a settlement with me back on XX/XX/XXXX where they agreed to remove this and all accounts they wrongfully reported in first place to CRAs under my social. See attached final stipulation as a proof of my statement. To this day XXXX keeps reporting NEGATIVELY account they legally agreed to delete ... also see attached page from XXXX evidencing the presence of this erroneous account. My numerous attempts to reason with XXXX and request a removal of this account as negotiated are being ignored for 2+ years now ... 
XXXX/XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$4100.00} written off.
Consumer complaint received 2022-10-03
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. (PA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MO)

Consumer attempted to investigate an alleged debt via certified mailed notice received XX/XX/2023. Synchrony Bank in turn restricted the consumer account in retaliation possibly as stated in a notice dated XX/XX/2023. That is an adverse action toward the consumer and true creditor pursuant to 15 USC 1691 ( d ) ( 6 ). Synchrony Bank also reported negative and unverified information to consumer reporting agencies. The consumer does not consent to, benefit from, or authorize the actions of Synchrony Bank.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (AZ)

Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being XXXX. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I have not received a response letter in this matter but instead received a second bill.
Consumer complaint received 2022-10-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

From the day Freedom Mortgage acquired responsibility to service my VA loan, they have repeatedly failed to pay my property taxes correctly and/or on time. Most recently, a check they sent to the Property Tax office bounced. While the company has apparently attempted to address the issue by paying additional amounts to cover fees/interest/etc, they have failed to bring my property tax account into good standing even once. Each tax bill carrying over additional penalties and interest from the previous billing period.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I was sent a text message to look like a TD bank notification. The notification said that someone that I had enrolled someone for bill pay. It then had a link to block any further requests which I clicked. It sent to a website made to look like the TD bank website where it asked me to log in and enter very sensitive information such as my full name, DOB, and SSN, all of which I entered. Only after this did I realize that it was a scam. There was the a {$0.00} charge to my account.
Consumer complaint received 2023-01-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Suttell, Hammer & White, P.S (CA)

Reference CFPB complaint # XXXX. I received attached letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, waited for XXXX XXXX XXXX response on their complaint submitted XX/XX/XXXX, however no response. Theyre probably waiting until the court trial management conference set for XX/XX/XXXX. Anyway this letter states both lawsuits dismissed per plaintiff for financial hardship. First off YOU ARE A XXXX. They are still active. NEVER discussed any financial hardship or made any such request. If i did why would I be complaining? Bank XXXX XXXX, as stated several times advised me they reassigned accounts to XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX however courts shows no such thing. In fact they filed trial documents as well. 
Other fraud committed by this business as well but Ill save that for trial. Lets see if XXXX  XXXX XXXX and XXXX and XXXX wan na get on the stand and tell this lie. 
You dont have that license to practice in XXXX yet do you? Yet you served summons XXXX of XXXX. And XX/XX/XXXX. Perpetuaters!
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I called Equifax to follow up on the results of a dispute that I filed based on a fraud claim on which Equifax has my supporting documents on file ( police report, FTC affidavit, ID, ss card, address verification, etc ). The claim on this particular item was originally filed on XX/XX/19 with XXXX. They reported the fraudulent account to XXXX  and Equifax. Both XXXX  and XXXX deleted the account immediately. Equifax did not.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello Help Center, I am requesting for help regarding an issue registering my account to view my credit score reports. I contacted the Social Security Administration earlier to see if there was an issue on that side regarding unusual activities or any false information. They could not detect any issues on their side as we were able to confirm all of the information. I am in desperate necessities to create and build a credit score, however due to this issue, I am trapped in a loop and can not access my information in anyway, to report back to my bank and be able to build a credit. Please contact me however possible to manually confirm my information and proceed with my credit reports. Thank you in advance.
Consumer complaint received 2023-01-15
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: MOHELA (NJ)

I did a FTC report in XX/XX/XXXX and spoke with XXXX POLICE DEPARTMENT because there were 11 student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, XXXX AND XXXX Credit reports. In XX/XX/XXXX XXXX Reopened my 11 Accounts and added an Fraudulent account with MOHELADEPT OF ED For the same amount as the fraudulent EDFINANCIAL Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XXXX of XXXX CITI bank decided to close my account, after almost 2 months CITI returned via a check the remaining balance on the account which was XXXX  However there was a missing sum from the check we got from CITI, in the amount of XXXX  which was a direct deposit from one of our customers XXXX XXXX. 
It was deposited in our account on XXXX XX/XX/2021. 

This customer XXXX XXXX booked a nonrefundable airline ticket with us. He has been informed about this fact. The ticket got eventually canceled and the passenger was offered full credit for future travel which he was eligible to use up to 2 years. According to our Terms & Conditions he was not entitled for a refund, therefore the airline could not grant him one. 

I do believe this person complaint to CITI, and CITI for some reasons without contacting me first to find out what is the reasons for complaint, and to offer us the possibility to explain ourselves and provide proof of purchase decided to take this money out of our account and return to the complaining customer. 
This is totally unacceptable. I demand the money in the amount of XXXX to be immediately returned to us. 

Please find copy of the deposit, copy of our Terms & Conditions and the completed form by the customer XXXX XXXX where it is clearly marked he agrees to pay our company for the airline ticket. 
If there is more information needed please let us know.
Consumer complaint received 2022-10-04
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. (FL)

I found an investigation about incorrect items on my credit report on XX/XX/XXXX I havent got a response as well past 30 days from Trans Union XXXX and XXXX
Consumer complaint received 2024-10-31
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. (FL)

I am contacting you to formally request the blocking and deletion of certain hard inquiries listed below from my credit report, as I am a victim of a recent data breach that has exposed my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), consumers are entitled to protections when identity theft occurs, and I am requesting immediate action to block and delete these unauthorized inquiries. 
Inquiries : 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Consumer complaint received 2024-10-31
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. (NY)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo 's practice is false and misleading. On XX/XX/2022, I received an email that stated that we were clear to close on XX/XX/2022 at XXXX in XXXX MA XXXX I received a phone call from the loan originator, XXXX on Monday XX/XX/2022 at XXXX, less than XXXX hours before the closing. She stated that the loan will not be released because of the information provided HOA form. My attorney, XXXX XXXX XXXX proved that the provided information was false. Wells Fargo suggested that I reapply with the understanding that the HOA would be properly completed. The problem this time around was that she said that Wells Fargo declined the loan because the fees were too high given the loan amount. 
However, she also mentioned the poor condition of the roof which has nothing to do with my credit or ability to repay the loan. There were no legitimate reason/s to decline the loan. It should be known that multiple mortgages were released within the same condominium complex. My attorney and I pleaded to Wells Fargo in attempts to have them reconsider to no avail.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (PA)

I have sent letters to the respective agency last XX/XX/2022, but up until now I haven't received any repose from them. I am very stressed right now and I felt being ignored and being taken advantage.
Consumer complaint received 2019-10-01
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. (OH)

Recently in various news outlets such as XXXX XXXX and many others it was brought to my attention that Navient my current provider was engaging in illegal or deceptive practices which involves pushing students deeper into debt by making them forbearance on there loans causing the interest to swell up and make it impossible for the borrow to pay back the loans. With this new information the company should be shut down forever by the government for there illegal and deceptive practices and the money I paid the service provider should be repaid to me in full plus the remainder balance of my student loans along with other should be wiped clean. This is illegal and they should not be allowed to do this or have an operating company.
Consumer complaint received 2024-10-31
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. (NJ)

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX. XXXX Account Number : XXXX Date : XX/XX/year> Amount : {$440.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/year> Amount : {$0.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Conn's, Inc. (TX)

I have multiple complaints about this company. This company originally contacted my mother on XX/XX/XXXX.  They said they were calling her about a Legal case filed against me. When I called back they answered the phone as law office. They refused to give me information on their location and hung up on me when I asked too many questions. They told me I was a deadbeat and didn't pay my bills They called me again today XX/XX/XXXX. They said they were calling for litigation filed against me in my local district attorneys office. They said they represented Conns, that they were lawyers and they were calling to get a statement before filing paperwork against me and sending it to me. 
This debt is almost 15 years old. It occurred back in XX/XX/XXXX. I have a current account with Conns and pay all of my bills. 
This company has harassed my family members, they pretend to be lawyers calling from a law office. The address they gave me to their business is to a postal service in California. They call multiple times per day. I need help
Consumer complaint received 2023-01-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, I received a check written out to my deceased husband. This was from Wells Fargo with an accompanying letter that I did not understand as I had never been privy to the monetary dealings of the purchase of our new truck in XX/XX/XXXX. 
There has been a great deal of correspondence and phone calls between the Office of the President ( which I now understand is the Complaints department ) and myself since that time. In the beginning, I wished Wells Fargo to change the name on the check to mine so I could deposit the check into my personal account at another Bank. I sent them the documentation required to do this. 
I became suspicious of Wells Fargos continual demand for extra documentation to prove that I was my husbands widow and entitled to the monies. That prompted me to ask Wells Fargo for a detailed analysis of how the Bank worked out the accrued {$52.00}. 

The ensuing correspondence/calls on this latter topic have been inane. I have never received a detailed analysis and, in the last communication of XX/XX/XXXX, it was suggested that I do my own research of the Constant Maturity Treasury Yield. 

I consider that Wells Fargo should be investigated re my question of asking for a detailed analysis of monies owed to me since XXXX and their banal series of communications in which a litany of uninformed and always different personnel have replied. It was a simple question way back in XX/XX/XXXX. To date, I have not received any document to show how Wells Fargo arrived at the accrued figure of {$52.00} and have been continually brushed off by the Banks employees in my quest to find an answer. 

My request is always the same : I wish to see a detailed analysis of how Wells Fargo worked out the accrued {$52.00} on the initial capital of {$470.00} over a XXXX period. 
I have never received a check for the total amount in my name either.
Consumer complaint received 2024-10-31
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. (CA)

I am writing to formally request that you block and delete the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : 1. DEPTEDXXXX Account XXXX : XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXXXXXX XXXX  Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amounts : {$2600.00}, {$4600.00}, {$1000.00}, {$420.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$3700.00} XXXX. XXXX XXXX XXXX Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$640.00}, {$2000.00} XXXX. XXXX  Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$0.00}, {$3700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$310.00} XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$780.00} XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX OF XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$1700.00} Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX