davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
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. (CA)

XXXX XXXX transferred my mortgage in XX/XX/XXXX. XXXX # XXXX I recently checked my credit report after my score dropped significantly for no apparent reason. 
My credit report shows that XXXX XXXX  reported a Late Payment to Transunion for a XX/XX/XXXX payment. 
I disputed this late payment on a closed account ( closed/transferred in XX/XX/XXXX ),  via Transunion and XXXX did not correct it. 
My lower credit score as a result of this incorrect late reporting on an account that has been closed for 5 years, is preventing me from qualifying for a new home. 

I am attempting this CFPB approach as a final attempt to get this corrected before I retain the services of an attorney to sue XXXX XXXX and to be made whole.
Consumer complaint received 2024-11-04
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. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-04
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. (NY)

XXXX is reporting information of accounts that have been identified as opened fraudulently. According to the FCRA 605B any accounts that have been opened by way of identity theft shall be blocked from reporting and removed. 

These accounts are Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$850.00} written off. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$850.00} Terms name XXXX XXXX XXXX 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$42.00} written off. {$42.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$42.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1800.00} Highest balance {$82.00} Terms - Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$640.00} written off. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$400.00} Highest balance {$640.00} Account name XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$50.00} as of XX/XX/XXXX Monthly payment - Credit limit {$450.00} Highest balance {$1400.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$870.00} Balance updated XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$480.00} These accounts should be removed off my account immediately as they are a result a fraud.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

Since   XXXX   no lender has been able to access my credit an error is returned "  XXXX  '' through my own research I found this is an error code triggered due to a mis-match between my SSN #, name and address. I have faxed the requested to Equifax, however over the last 8 months and so many calls I can not get anyone from Equifax to fix the issue because of their ineptness. as a  XXXX  person I 'm trying to get a mortgage so I can move into a more suitable home that is more accessible for my  XXXX . I have a contract on a home however the lender ca n't pull my file due to this issue. TIME IS OF THE ESSENCE as my closing date is rapidly approaching.
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (IL)

In  XXXX   XXXX , I opened a bank account  with BMO Harris  Bank in which I would earn a {$300.00} bonus after completing  XXXX  direct deposits. My  XXXX  direct deposit was completed on  XXXX   XXXX ,  XXXX . It is more than 100 days since completing the requirement and I still have not received my {$300.00} bonus.
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I was called by a collection agency, and when they told me that I had a collection account, it was from XX/XX/XXXX. they then told me my last payment was done inXX/XX/XXXX. I asked them what they were talking about and who the creditor was they were trying to collect for. they told me it was for XXXX XXXX credit card. I told them that I didn't remember, but that I was at work and couldn't talk at the moment but to continue talking to my fianc. I myself and my fianc told them not to put the account in dispute, and the collection representative asked us if we wanted to dispute it and my fianc said no, however the representative went ahead and disputed it anyways. I know that doing this reactivates the collection on the credit report, and it shows it as a new/recent collection. I told them that this was an old collection and shouldn't be reporting on my credit report. I told them that I didn't want it to be disputed so that it wouldn't affect my credit report, but they refused to take it out of the dispute. I have not received any documentation regarding this debt.
Consumer complaint received 2018-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (MD)

My son had a student loan with Wells Fargo. I co-signed the loan. My son settled the debt with Wells Fargo and {$14000.00} was the total amount of debt discharged ( written off ) in the agreed upon settlement. For tax purposes, Wells Fargo issued both me, and my son, a XXXX COPY B FOR BORROWER/DEBTOR that requires us both to file with the IRS, meaning we both must pay taxes on the same {$14000.00}, paying double tax. 

After speaking with 3 tax advisors and an attorney, I was told that as a co-signer, I should have received the XXXX COPY C FOR GUARANTOR. This would not require me to file this form with the IRS, as my son would file and pay the taxes as the " Borrower ''. 

Wells Fargo, in issuing 2 " COPY B FOR BORROWER/DEBTOR '', is thus able to report double the amount of money as written off or discharged. This is illegal, unethical, and unscrupulous. I'm sure I'm not the first one to whom this has happened. 
I've spoken with XXXX people at Wells Fargo - 2 ignorant, and the 3rd obstinate who are unable, or unwilling to correct the second copy and re-issue as a XXXX XXXX XXXX
Consumer complaint received 2018-03-30
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. (CA)

Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per Credit Check Total. 
I have attached What these items are :
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (PA)

In  XXXX  of  XXXX , I went to the  XXXX , Pennsylvania branch o f Wells Fargo B ank to address a concern about my ex-wife 's name still being on an account used to pay my mortgage each month. At that time, branch manager suggested I open a new checking account, in my name only, as a solution to this problem. The next day I returned to actually open that new checking account, and the manager then offered me a credit card account as well. When I asked some questions and found out there would be fees attached to these accounts, I declined to open either a new checking account or a credit card account, and left without opening any accounts.     On  XXXX   XXXX ,  XXXX , I received a phone call from a debt collector saying I owed money on a personal credit card account I had with  Wells Fargo. I  responded that I did n't have any such account, but right after the phone call, I went to the  XXXX , Pennsylvania branch of  Wells Fargo  to find out what was going on, and whether this might relate to my business account wit h Wells Fargo. The  bank assured me that the debt did not relate to my business account, but instead related to a personal credit card they insisted I had opened.     Even though I never received a personal credit card from  Wells Fargo, n ever received any statements and never made any charges,  Wells Fargo ul timately informed me that I had {$28.00} in unpaid annual fees. This is after my wife had put a bid in on a house, and after that bid was accepted, I also learned that  Wells Fargo r eported this supposed delinquency to the major credit reporting agencies, which dropped my  credit score f rom roughly  XXXX  to roughly  XXXX . As a result of this huge dro p in credit score, we lo st financing for the house, and lost the opportunity to reduce our monthly home ownership costs ( including mortgage, taxes and HO insurance ) from {$3800.00} per month to {$1700.00} per month. For the foreseeable future, I am losing {$2100.00} per month as a result  of Wells Fargo 's  conduct in opening a credit card account in my name and charging me fees without ever even letting me know they had opened a credit account in my name.      Wells Fargo has  opened a case number for my complaint, and it has submitted requests to  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX  to remove this alleged credit card delinquency from my name. But the damage is done, and Wells Fargo has not offered any significant compensation for the damage they have caused me.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2018-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (PA)

When I applied for my mortgageXX/XX/XXXX, I spoke to several mortgage lenders and made many comparisons. The reason I chose Movement Mortgage, over another lender, was the fact that my mortgage officer, XXXX XXXX, assured me several times that I could make biweekly payments on my mortgage. Even at closing, onXX/XX/XXXX, XXXX assured me that when I receive my statement, I can call to set up biweekly payments with his assistant or by calling customer service. Again, this was mentioned several times during the mortgage process. However, I received the statement and was told that I could not set up biweekly payments when I called customer service today, XX/XX/XXXX. I am very upset that I was mislead with this information by XXXX XXXX dishonesty because he knew setting up biweekly payments was a deal breaker to choose Movement Mortgage. Attached is a picture of text messages between XXXX  and myself where he guaranteed this could happen.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-11-04
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. (FL)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2018-03-30
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. (CA)

Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per Credit Check Total. 
I have attached What these items are :
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN HONDA FINANCE CORP (OH)

On XX/XX/2016 I went to XXXX XXXX to look at cars. The salesman stated that we could go ahead and get the paperwork filled out Incase I found a car that I wanted to purchase but that it would NOT be ran through my credit if I did not find a car that I liked and wanted to purchase. I did not end up finding a car through them or purchase a car through them but they ran my credit anyways without me saying they could.
Consumer complaint received 2017-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WI)

I have had numerous issues with Navient and my forbearances in the past. Most recently, I called to defer my loans, received a confirmation, and then a month after doing so, saw that my forbearance payment was returned to my bank account. Called Navient, had to apply for the forbearance again, and was told I had till  XXXX  before it would end. Today I received a second delinquency notice, although it should be in forbearance currently. I spoke with someone in  XXXX  and again in  XXXX  about putting my loans into forbearance and it does not appear to have taken affect. I also had this happen to me a year or so before where the {$100.00} I had to pay on my loans to put them into forbearance was applied as a payment to my account instead of the forbearance fee. I noticed it the same day, notified them, and they assured me that it was applied correctly. I had to call numerous times upon receiving delinquency notices, and I had attempted to escalate the situation and speak with a supervisor but during the entirety of what was supposed to be a forbearance period, my loan was shown as delinquent and never adjusted. They told me it would not affect my credit rating. I am struggling to pay these loans back and it makes it impossible when the lender ca n't even assist as it should be. I have tried and tried to be diligent, responsible, and address any issues I 've seen in regards to my loans, but  Navient  has been incredibly difficult to work with. I do not trust them, nor do I know if speaking with a representative will ensure a resolution or solution for my issues and concerns. I have $  XXXX  worth of loans with Navient, and am struggling. Everyday I want to cry because as a college graduate and as a professional, I ca n't afford to pay these.
Consumer complaint received 2018-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/XXXX, I received a letter in the mail from the XXXX XXXX XXXX XXXX XXXX Department for XXXX XXXX stating that my XXXX taxes had not been paid and if the payment was not received by XX/XX/XXXX, I would be named in a lawsuit. I immediately contacted my lender, Wells Fargo about this and was told that the situation would be escalated to a tax specialist and I would be contacted in 6 to 10 days by mail with a resolution. I spoke to XXXX at Wells Fargo. I was not provided with a last name. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX XXXX tax and spoke to XXXX. I was told by XXXX that if they did not receive the payment by XX/XX/XXXX, that my tax bill would be turned over to a different department and legal proceedings would start and that my home would be put up for auction. I was also told by XXXX that a lender was not listed on my tax card. I asked if I could provide the information and was told that the lender would have to do that. I also asked XXXX if my XXXX taxes had been paid and he said no. After I spoke to the County, I contacted Wells Fargo again to try and escalate the situation and was told that the earliest I could call back in to check on it would be Friday, XX/XX/XXXX. I explained that on top of the taxes showing unpaid, an additional interest charge had been added to the account and was told by the person at XXXX that I spoke to that XXXX would be responsible for any amounts over and above the tax amount that was due. The transaction history on my Wells Fargo account shows that taxes were paid for XXXX on XX/XX/XXXX and for XXXX the taxes were paid on XX/XX/XXXX. To date, the county has never received payment for my taxes. If XX/XX/XXXX comes and this is not resolved, not only will more fees be added to the XXXX tax bill but the XXXX tax bill will also have additional fees added to it as well. I have attached the following to this complaint ; a copy of the letter from the county, the delinquent tax bill, a copy of the registered warranty deed and tax card ( that was provided to the lender ). I don't think when something is this pressing with a dead line and I have a threat of loosing my home and being sued due to an error that is not mine I shouldn't have to wait 6 to 10 days for a resolution. Someone should have taken my call when I called in and called the county and resolved it that day. I shouldn't have to be under this kind of stress and worry when I didn't do anything wrong.