davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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. (NY)

My XXXX XXXX XXXX daughter XXXX XXXX is trying to get student loans for college and has been denied as Transunion is showing a " block ''. When she calls XXXX, they will not speak to her as she is under XXXX. She was advised to make an online account and we tried that but it will not allow her as she is under XXXX. I made an account but I am unable to communicate with them as I am not her! They want me to get power of attorney for her, in order to speak to them, although she is sitting with me when I call! I have called multiple times, so has she. Sometimes they tell her a few things such as they have one digit in her SSN wrong. We have had to both fax and mail a copy of her SS Card, drivers license, my drivers license, my paystub showing my address and her birth certificate proving I am her mother, along with a note asking them to " unblock '' her credit. She is alternating being told that there is a block on her credit and that one digit is wrong. We really do not know the truth. We have also utilized the chat feature that Transunion is pushing, but the people on chat say to call, this can't be handled in chat. I have explained they will not speak to either of us, and still no one is helping. I have filed a XXXX complaint and it seems that was closed when Transunion told them I need power of attorney. For my XXXX XXXX XXXX child who lives with me her whole life! 

So she was denied her student loans for this reason. After waiting XXXX business days since the last time we mailed in the appropriate documents and request, she called Transunion yesterday XX/XX/XXXX, the person on the phone said they did not see any issues so to assume it was handled. We again applied for the student loan yesterday and today was denied again! stating Transunion has a block. This is absolutely ridiculous. She will not be XXXX until XX/XX/XXXX but her tuition is due XXXX. We have been messing around with Transunion on this since late XXXX. The bank who she has applied for her student loans through says the other XXXX credit reporting agencies do not have a block and Transunion is the only XXXX.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2018-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

The City of XXXX, Tax Collector ( XXXX XXXX ) sent us a letter dated XX/XX/2018 placing a lien for {$1100.00} on our property at XXXX XXXX XXXX for cleanup costs on our property. On XX/XX/2018 we appeared in court to dispute this charge and the charge was dismissed. We were told by the court to take the " Disposition of Summons '' paperwork to the Tax Collector to have the lien of {$1100.00} released. Our attempts to resolve this matter with the City of XXXX has been unsuccessful. We refused to pay this balance as the court dismissed the charge. As we continued to pursue this issue with the City of XXXX the charges remained unpaid. On XX/XX/2018 we received a letter from Wells Fargo advising us they paid past-due real estate taxes on property. We asked Wells Fargo to provide us with documentation for this additional payment on our behalf. Wells Fargo contacted the City of XXXX and were incorrectly advised this payment represented the removal of a tax exemption on our property for the same value of the lien for {$1100.00}. When we determined this payment represented the same charges dismissed by the court we asked Wells Fargo to reverse this payment to the City of XXXX. Although Wells Fargo has been unable to substantiate these charges after 3 months of research, they have refused to reverse this payment to the City of XXXX and expect us to reimburse Wells Fargo. Please help us to resolve this issue. Initially, Wells Fargo incorrectly included this additional payment in our escrow calculation for the upcoming year. We have spoken with multiple people at Wells Fargo and the City of XXXX but have been unable to resolve it. Hopefully, CFPB will be able to assist us before we seek legal recourse. 
Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-24
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: EQUIFAX, INC. (KY)

I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  XXXX   XXXX   XXXX   XXXX  Order The following credit inquiries are related to none of the aforementioned permissible  XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  Century Mortgage  XXXX / XXXX / XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  Bank   XXXX   Please remove these inquiries from my credit report immediately
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I noticed a number of unauthorized transactions in my account and reported them as fraud. I called both the merchant and my financial institution ; XXXX and Wells Fargo Bank. XXXX assures they do not have any record in their system for the transactions that all together add up to {$1000.00}. XXXX can not refund me the money since they have no record of me for those dates or amounts. I opened a fraud case for the transactions with my financial institution on XX/XX/2023 and they gave me a credit for the full fraud claim amount. Yesterday I got a reverse credit charge of the {$1000.00} charge from Wells Fargo. I called Wells Fargo and asked why ; they told me XXXX provided documentation that I indeed authorized the transactions, I asked for the proof of the documents and they said they would send them and I should receive them in 30 days. I was told they would not reopen my case or even be able to re-submit a fraud case for the transactions. I once again told them I DID NOT AUTHORIZED THOSE TRANSACTIONS and I was told I would need to call XXXX and get my money back from them. I called XXXX and they again told me there are no transactions in my account records with them so they can not give me money back and that they did not have any requests from my bank requesting any refunds. At this point I have been disconnected and hung up several times from Wells Fargo and I have a overdrawn amount of {$700.00} in my account. The reverse credit took the little money I had in my account until my next pay direct deposit and I am unable to buy food, gas, or pay bills for my household of XXXX that include XXXX XXXX people and XXXX children. Both Wells Fargo and XXXX stand on their grounds defending their positions and I am extremely overwhelmed by being the victim of this situation.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I received an email from Bank of America on XX/XX/XXXX stating that I was approved for a credit card that I never even applied for. I then received a text on XX/XX/XXXX stating that my application had been approved and my card would be sent out shortly. Today ( XX/XX/XXXX ) I got an email again from Bank of America stating that my credit card would be sent to my home. At no time did I ever inquire or apply for this Bank of America credit card. I will follow up with the company as well regarding this issue. I am concerned because I have heard recently in the news that Bank of America has been in trouble for doing this to other consumers.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to report an unfortunate and unsettling experience I had with TransUnion, a credit reporting agency. Despite making numerous attempts to correct my personal information and rectify inaccuracies on my credit report, I have faced significant difficulties that not only violate my rights as a consumer but have also left me deeply frustrated. 

I sent a dispute letter to TransUnion on XX/XX/2023, which was received by them, as certified, on XX/XX/2023. On XX/XX/XXXX, I contacted the agency and was informed that no action had been taken as the instructions in my letter were supposedly unclear. I reiterated my request to correct my personal information and remove inaccurate accounts including collections, charge-offs, and other erroneous information. The agent assured me that my personal information had been updated, the inaccurate accounts removed, and that I should see the update within seven days. 

However, I have encountered significant technical issues with the TransUnion website, effectively blocking me from accessing my account and thereby denying me the ability to verify the corrections. A representative did acknowledge the problem and promised resolution within 48 hours. This timeframe has since passed, and I still am unable to access my account. 

Furthermore, in my pursuit to obtain a copy of my report, I was transferred to a different agent. Despite a previous confirmation that there were no negative accounts on my report, this new agent informed me that my account was in dispute and, therefore, she was unable to provide me with a copy of my report. Yet, she stated that my credit report- which is still disputed and potentially inaccurate - would remain available to creditors. This is deeply concerning and, to my understanding, violates my rights under the Fair Credit Reporting Act. 

I sought further clarification by requesting a transfer to a supervisor, only to be abruptly hung up on by the agent, further exacerbating my dissatisfaction with the service I received. 

In light of these events, I kindly request the intervention of the Consumer Financial Protection Bureau to address these discrepancies, ensure my consumer rights are upheld, and help rectify this situation promptly. I believe that access to accurate personal credit information is crucial and any impediment in this regard needs to be addressed immediately.
Consumer complaint received 2023-07-12
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: Navient Solutions, LLC. (MI)

XXXX XXXX last 4 SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX Michigan,XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

There is a derogatory account on my report that should not be there from XXXX XXXX XXXX  XX/XX/22. That information is inaccurate. I spoke to XXXX XXXX when this situation first occurred, and they agreed to contact the bureaus and remove the 30-day late payment. they contacted you remove it right after I was notified of the negative remark. the next month my points came back, and I was happy, but the bureaus never removed the remarks. please remove these remarks so that I can try to purchase my dream home, I don't want these remarks to negatively affect the image of my credit worthiness
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address : XXXX XXXX XXXX Please update my name : XXXX XXXX My only social security number is XXXX My only correct date of birth is : XX/XX/1967 My only employer : State of Michigan I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Consumer complaint received 2018-04-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (SC)

I filed a complaint that was partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX  actually owes me {$1100.00} in overpaid interest.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address : XXXX XXXX XXXX Please update my name : XXXX XXXX My only social security number is XXXX My only correct date of birth is : XX/XX/1967 My only employer : XXXX XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (MA)

My Equifax credit report had both a bad address and a valid address with a last-lived-at date more recent than it should have been. I was able to dispute the bad address, but there's no way in their app to dispute the last-lived-at date for an address. There's also no way to contact them online. I called them on the phone and navigated a long, complex automated phone menu system, at the end of which the system said it was unable to verify my identity and refused to let me speak to an agent. It offered to provide me instructions for contacting them via fax or mail, but when I asked for fax instructions, it said basically, " Ha ha just kidding, we don't actually accept faxes anymore, you'll have to use mail instead! '' and gave me mailing instructions instead. At this point I gave up.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've reached out to XXXX, Transunion and XXXX multiple times regarding inaccurate information and they've failed to remove it or provide the requested information for why it is still on my credit reports.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OH)

We've requested reward program details from the Citi Costco Anywhere Visa card multiple times. In response to a previous CFPB complaint, Citi responded with a form letter referring us to their website. In a recent chat session with Citi 's customer support, we requested a specific link to find details about the rewards program, including any exclusions. The agent stated, " there is no such link from the bank 's side okay. '' When further questioned aobut where to get program details, the agent continued to insist that Citi does not have the requested information and directed us to contact Costco. We recognize it is a partner program, but Citi is the card issuer and should provide program terms and conditions, including any reward program exclusions.
Consumer complaint received 2023-07-13
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 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 2023-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

Hello, I was recently contacted by Midland Credit Management about a past due debt charged off by XXXX XXXX. Upon reviewing the alleged debt, I am certain this debt is not mine. I have called XXXX and requested documentation dating back until XX/XX/2020 ( when the credit card was apparently first opened ). They were unhelpful and told me they no longer had these documents. I told them under federal law banks are required to keep records for at least five years. After being transferred to the supervisor, he dismissed what I had to say and hung up on me. 

Alleged debt owed : {$1600.00} MCM Acct # : XXXX XXXX Acct # : last XXXX : XXXX