davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

My current lender is PHH mortgage. I am trying to refinance into a lower interest rate and lower monthly payment through XXXX mortgage. I am recently discharged from Chapter 13 bankruptcy. I am attempting to get my statement from PHH but they are refusing, They are telling me that the discharge of bankruptcy from the court is not enough. They claim they need a " termination '' of bankruptcy from the court. When I spoke to the BK department of PHH, they refused to give me the employee numbers. When I attempted to call the New Jersey office, I was transferred to XXXX to speak with XXXX who again would not give me an employee number and then he transferred me back to NJ, twice, where they hung up on me each time. These events all transpired between XXXX and XXXX on XX/XX/2016. I am just trying to get me statement from my current lender in order to refinance.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I purchased a home and it was turned over to Wells Fargo as the servicer.XX/XX/2006. I made my payments on time and know that I have a lot of equity in my home. My income has changed and I have been trying to get a modification from Wells Fargo and they refuse to give me one for all kinds of bogus reasons. Now Wells Fargo is trying to foreclose on my home. It is a XXXX account. I really need help with this matter.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (CA)

As I continue to attempt to get Wells Fargo to actually do what is right for once, I wanted to make sure that the CFPB is aware of what Wells Fargo representatives tell their customers. 
When I mentioned to XXXX, Loss Recovery Specialist, that contracts are a two-way street and that the terms of our agreement would also apply to Wells Fargo, she stated that this was not the case. In fact, she asked " did Wells Fargo borrow money from you? '' I find this disregard for basic legal principles to be truly appalling and given these positions, it is not surprising that we are becoming aware of one Wells Fargo scandal after another. 
According to XXXX 's logic, the terms of any agreement with Wells Fargo, only apply to the customer but Wells Fargo is somehow free to completely disregard them? So if I sign up for a credit card with Wells Fargo with an APR of 18 %, Wells Fargo is not bound by this? They could charge 30 %? 
Needless to say this is entirely inaccurate. I would greatly appreciate if someone at the CFPB would request a copy of my call with XXXX from XX/XX/2016. 
Sadly, given the arbitration provisions of Wells Fargo contracts, the CFPB is really the only way to hold this organization accountable.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

A total of XXXX ( XXXX ) times in XX/XX/2016, fraudulent applications were attempted at Synchrony Bank using my information. Most recently, I received both a letter dated XX/XX/2016, and a phone call near the same date, from XXXX. Both assured me that my personal information had been placed in their internal fraud file. Yet, I received another fraudulent Synchrony Bank application alert from XXXX on XX/XX/2016, the same day as the letter from Synchrony, and also a form letter from Synchrony Bank dated XX/XX/XXXX, stating that another application was run. XXXX attached. Only because I placed a hard freeze on my credit reports, did this latest XXXX fifth ) attempt at XXXX, stop short of placing yet another fraudulent inquiry onto my credit. If Synchrony did indeed place an internal fraud alert for me, HOW DID THIS APPLICATION REACH THE POINT AT WHICH AN ATTEMPT WAS MADE TO PULL MY CREDIT REPORT YET AGAIN?!? THIS WAS THE FIFTH ( XXXX ) ATTEMPTED FRAUD AT SYNCHRONY IN XX/XX/2016, and I had XXXX attempts at any other financial institution. CLEARLY IT IS SYNCHRONY THAT LACKS SUFFICIENT SAFEGUARDS AGAINST FRAUD, even long after they have been made aware of this chronic issue. Again, not a single attempt has occurred at ANY OTHER FINANCIAL INSTITUTION. It is long past time for XXXX to start using legitimate and effective fraud prevention systems.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (WA)

We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-09-04
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. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have disputed with Equifax on two different time frames regarding my public record. I did not file for bankruptcy. I contact the BK court house and they informed me, they do not provide any information to the credit bureau, and they are not held responsible for inacurate information that maybe collected by third parties. Equifax is in vilation of Fair Credit Reporting Act 623 ( a ) ( 3 ). I never filed for bankruptcy and this public record needs to be deleted permanently, from my credit report. My next step is to file smal claims. I also, sent the Equifax XXXX XXXX, CEO a copy of my dispute letter. 
Equifax, has not verified nor validated the bankruptcy, providing my signature at the bankruptcy court house, the court house does n't communicate to the che credit bureaus. I
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2016-12-05
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union primarily owed me {$3700.00} and I submitted a complaint against the organization due to the fact that this amount was related to fraudulent charge made on my account. Navy Federal Credit Union attempted to resolve the issue by only issuing a refund amount of {$2100.00} from the {$3700.00} which was {$1600.00} lesser than the total amount owed to me. The total amount taken from my bank account was {$3700.00} and 15 % interest rate was being charged to me for the past three years since Navy Federal Credit Union denied any responsibility of the matter. I will not be satisfied until NFCU returns the rest of the money owed to me that amounts to : {$1600.00} plus the interest back to me. I totally understand a portion of {$2100.00} was deposited to my checking account, but it is not enough. Many other veterans and federal employees have voice their concerns about Navy Federal Credit Union greedy agenda which is manifested by putting their interest above the people they represent. I give you a break down of the money that was supposed to be given which Navy Federal Credit Union did n't give. I would like to pursue the effort to regain the rest of the money back from this organization and I will stop until it 's done. 
{$2100.00} + {$1600.00} = {$3700.00} + 15 % interest charged for the past three years
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

Loan officer ( XXXX ) misinformed me about ability to approve mortgage application causing me to unnecessarily incur an appraisal expense On XXXX/XXXX/XXXX, I had an email conversation with XXXX in order to explicitly confirm that Wells Fargo would be able to consider my wife 's new income in the mortgage application BEFORE the appraisal. XXXX response was that the decision is up to the underwriter and that sometimes they just need an offer letter and other times they need XXXX or XXXX pay stubs. This validated prior phone conversations in which XXXX said he would only need XXXX or XXXX paystubs. I also had a phone conversation with XXXX on XXXX to verbally confirm the pre-approval status of the loan. 

The underwriter later declined the loan due to the fact that he could not verify my wife 's income without 6 months of pay stubs after I had already incurred the appraisal expense. ( This is the reason stated in Adverse Action Notice and emails from XXXX on XXXX & XXXX ) This was the first time a 6-month requirement was mentioned despite my multiple attempts to confirm requirements. This was also extremely frustrating because I did my due diligence to clarify requirements, but I was told incorrect information by the loan officers. 

Furthermore, the appraisal itself had 2 problems : ( 1 ) The purchase agreement was misstated in the appraisal as $ XXXX. Actual agreement is for $ XXXX. It seems as though only the original offer was reviewed, not the final counter offer ( 2 ) Comp # XXXX ( XXXX XXXX ) appears to actually be sold XXXX XXXX. Age is over 12+ months despite the fact that the appraisal notes many other valid comps I have opened 3 cases with Wells Fargo HM Customer Care , and they have refused to discuss the issue further without even addressing the email and phone conversations containing misinformation. They wo n't even confirm if they have reviewed this evidence, nor will they comment on the mistakes on the appraisal. 

I have found many complaints online regarding this practice of prematurely ordering appraisals before stip requirements are clear to customer. I am concerned that Wells Fargo is profiting
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-09-03
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. (VA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-09-03
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. (WI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-03
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. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-03
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. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (MA)

I had an issue with Wells Fargo and their ACH Payment system. 
The first payment ACH was set for the minimum payment. But they charged me the full amount. This happened on XXXX/XXXX/16. I called them about it and they fixed it. And the automatic payment was XXXX after-that. However, they made another attempt AGAIN on XXXX/XXXX/16. I called them yet again and they said they fixed it. BUT on XXXX/XXXX/16, they tried again. Therefore, I have XXXX insufficient item. I did not authorize the second and third payment! OTher people are having this problem and Wells- fargo even though I called them XXXX, IT DID NOT GET fixed when they said it did.