davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Information was sent to both TransUnion & XXXX that someone with a similar name/address information was incorrectly added to my credit report. Also address listed is very similar to my address. It has been over 30 days without a response from either bureau to remove inaccurate information.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MD)

On XX/XX/XXXX the following charges labeled XXXX XXXX XXXX XXXX XXXX CA were posted to my XXXX XXXX XXXX by Elan Financial Services XXXX 14 transactions at {$200.00} each 1 transaction at {$50.00} Total {$2800.00} The merchant category per my Elan statement was Heat Plumbing A/C. 

These were fraudulent charges as I did not request, authorize or receive any services related to these transactions. I contacted Elan, told them these charges were fraudulent and they credited my account on XX/XX/XXXX, cancelled my card and re-issued me a new card. 

Then on XX/XX/XXXX and XX/XX/XXXX, Elan reinstated {$2200.00} to my account saying After careful review, we have verified the transaction ( s ) was authorized, and you received benefit from the transaction ( s ).

I have contacted Elan by phone and asked them to remove these fraudulent charges on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each time, the representative told me that they would have a manager call me to discuss but they never did. I also requested Elan to provide their documentation that I allegedly received these transactions which they agreed to send me but have not done so. 

Elan Financial Services wont respond to me so I need your assistance to have these fraudulent charges removed from my account. 

Thank you.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland funding, LLC At XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Consumer complaint received 2022-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (PA)

Please refer to Complaint # XXXX and Complaint # XXXX - Please note that the response from Gregory Funding to these two complaints doesn't include a name and/or direct line to whoever wrote the letter, just telling me to contact their general number with any questions which is virtually impossible. As stated in the first two complaints it is extremely difficult to get thru to Gregory Funding, wait time to get thru to them is a minimum of 90 minutes. Sometimes a recording comes on and tells you that they can call you back, but they never do. 


This is my third complaint with the CFPB regarding my real estate taxes which are escrowed. 

My taxes were finally credited to my account with the City of XXXX, and I have been charged {$100.00} in interest and turned over to a collection agency for nonpayment, this amount will increase every month that this is not paid.
Consumer complaint received 2022-08-07
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. (CA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (IL)

I am contacting you about the compromise of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-07
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: EQUIFAX, INC. (CA)

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

I have sent in disputes to XXXX, Experian, and XXXX about these fraudulent inquiries on my report. XXXX keeps informing me about their policies and stating that they can not remove fraudulent accounts unless I contact the creditor. The point is that I have never contacted these creditors for an account in the first place. I also think that since they wish to continue reporting these inquiries as they are unlawful, they should pay the {$1000.00} per violation according to the following guidelines in the FCRA : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 Section A. States I have the right to privacy 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I've recently been getting updates and warning about my personal information being on the BLACK WEB. So I've been looking at my credit report and noticed XXXX XXXX XXXX on my credit report and I have never had or applied for a account with this company. This account shows to be open since XX/XX/ 2018.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've recently been getting updates and warning about my personal information being on the BLACK WEB. So I've been looking at my credit report and noticed XXXX XXXX XXXX on my credit report and I have never had or applied for a account with this company. This account shows to be open since XX/XX/2018.
Consumer complaint received 2022-08-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, Upon reviewing my credit reports, I noticed that there may be some violations per the Fair Credit Reporting Act. I noticed with the XXXX XXXX account number XXXX on TransUnion the date opened states XXXX and for XXXX it reports open date as XXXX. The other account with the same creditor account number XXXX states that there is a balance of {$700.00} owed on this account but there is another account under the same exact name and amount owed account number XXXX states this account was opened XXXX. Neither of these accounts am I familiar with. There are two other accounts that I am not familiar with until I currently reviewed my credit reports. One account is XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. I also noticed with this account that there are inconsistencies in the balances on XXXX the balance reflect as {$760.00} while on TransUnion the balance reports as {$760.00}. Please remove these unfamiliar accounts that is possible fraud accounts. 

I also noticed that there are an enormous amount of inquiries on my reports that have not been requested by myself. I am asking that these request for credit inquiries please be removed. These inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 

Thanks again please do a detail investigation of these accounts and remove as soon as possible because they are having a negative effect of the scores reporting on all three credit bureau.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-07
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. (AR)

In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 1666b 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.
Consumer complaint received 2022-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

Due to a mistyped bank account number ( either due to misreading a number on our part or a typo on their part ) on an Electonic payment set up my mortgage payment, the payment did not go through, and the mortgage company did not inform us of the problem until after 30 days had passed by way of a foreclosure notice that arrived on day 2 after month end. they claim to have sent notices but that is patently untrue. This company is gaslighting me. I promptly paid that missed payment the day we learned of it and the account is up to date. I requested as a client concession that, because of the honest error of a typo, that they not report this to the credit bureaus. I contacted them several times and they simply repeat back what I have explained and then give a scripted answer stating that they will not honor my request for a waiver or reporting this. 
This company is very dishonest and should not be allowed to operate in a retail financial services industry. The XXXX XXXX XXXX is full of complaints similar to mine, and I feel that a regulator should be aware of their tactics. 

I am attaching their last letter which us just a regurgitation of prior correspondence without any indication of a willingness to resolve the issue.
Consumer complaint received 2022-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc (MO)

Never heard of this debt collector. Never was aware there was a debt in my name out for collections. No voicemail or phone call from a legitimate phone number. Someone called a couple of months ago but it sounded like a scam call. Requested written bill with a breakdown of charges owed. Never seen anything in the mail and no follow up call from a local number. NOT AWARE UNTIL I CHECKED MY CREDIT REPORT! PLEASE HELP STOP THIS FROM HAPPENING TO OTHER PEOPLE. Thank you for any help.
Consumer complaint received 2022-08-07
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. (IN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I do not have nor have I ever had a XXXX XXXX account or credit card. 
Yet shows up a delinquient on my credit report. 
How do I rectify this issue?
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Allowed an employee to steal my social security number, account number, and address. in addition, Wells Fargo issued me an XXXX XXXXXXXX device designed to generate codes to enable monetary transactions. I never received this device and have repeatedly asked Wells Fargo to disable it, which they have failed to do. Wells Fargo has now put all of the necessary information to commit identify fraud and steal money from me in the hands of Strangers. Yet, when this happened, when a fraudulent wire transfer of {$20000.00} was made from my Account, and a fraudulent XXXX transfer was made from my account, they refused to acknowledge any possible fault in this fraud. Wells Fargo insisted I authorized the transactions ( I did not ). they refused to give me information about whom the money was transferred so I could file a criminal report.
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I pursued a fruitless attempt to apply for a loan modification and assumption - which resulted in CFPB complaints XXXX and XXXX During the review of those complaints, it became apparent there was no hope of getting any result from Wells Fargo and I withdrew the applications for modification and assumption. I also, as the XXXX of the estate which holds the mortgage, requested covid forbearance on behalf of the estate, which has suffered economic setbacks due to the pandemic. My first attempt on XX/XX/XXXX resulted in an hour-long phone call in which the representative continually deflected my request and attempted to cajole me into continuing with the pointless modification. When I steadfastly refused, he claimed the request would have to be reviewed by the loan investor. That is blatantly false, and in conflict with both the CARES Act and XXXX XXXX guidance. He further claimed I would hear back for " confirmation '' by midday the next day. No further communication was received. Therefore on XX/XX/XXXX, I called again and made it clear - again - my applications were withdrawn and the estate was requesting forbearance. The representative appeared toprocess the forbearance request. However, the letter received indicated I personally had requested and received the forbearance, which is not correct and more importantly not sufficient for administering the estate. Further, I received no documentation that at my request the modification and assumption applications had been withdrawn and were fully cancelled. Upon receiving the XX/XX/XXXX letter ( on XX/XX/XXXX ), I immediately alerted XXXX ( XXXX ) different XXXX of the unacceptable nature of the letter and the need for written documentation of my requests for withdrawl/cancellation being satisfied, I received nothing until today ( XXXX ) in the " response '' to the previous complaints. What is provided is not acceptable. A letter documenting the XXXX has been granted forbearance must be issued. WF was only too happy to play games about the estate being the holder of the note when it suited them. They now need to follow the same rules when it doesn't. Further, they need to provide clear and concise documentation that at my request, any and all applications for modification and/or assumption of the loan by me have been withdrawn, and the note and associated account remains solely with the estate of XXXX XXXX XXXX XXXX XXXX