davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (TX)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2019-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

hello. My name is XXXX XXXX. I'm calling in reference to a fraudulent activity done on my online banking with Wells Fargo. The amounts were {$1800.00} and {$700.00}. The date this happened was on XX/XX/XXXX 2019.an ex-girlfriend of mine somehow got into my online banking account and transferred herself these two sums of money to her own account through the XXXX  app . I called the bank the same day after I saw an email so that my contact information was changed to her contact information. She must have gained access through this method. Wells Fargo denied me the claim because they thought I gave her my online banking information which was not true. I waited many days for them to resolution to simply be denied.I followed all the correct steps as far as a fraud case goes where I called in a timely manner close my accounts change my online information reopen new accounts and also filed a police report. My Wells Fargo claim number is XXXX. Also the XXXX city police report number is XXXX. I am upset that my bank will not retrieve my money from an unauthorized user fraudulently accessing my account.
Consumer complaint received 2019-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Hyundai Finance XXXX, TX accepted payments before the deadline of XXXX PST Sunday and charged me additional late fees. The first time this happen they told me they would not honor the correction anymore. However ; payments are being made before XXXX PST in California and should not be subject to any late fees under California
Consumer complaint received 2019-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Good Morning- I submitted a request to FedLoan Servicing  on XX/XX/XXXX to qualifying my employer, The Department of Interior Bureau of Land Management , for Public Service Loan Forgiveness . They denied my employer, even though they are a qualifying employer because my loan was consolidated after the time I worked there and my payments during that time do not count toward loan forgiveness. Regardless of whether or not my payments qualified, I would like my employer verified. I have attached the letter of denial from FedLoan Servicing and an email chain showing how I tried to resolve the situation with FedLoan Servicing. 

Again regardless of whether or not my payments were qualifying, my employer should be verified. FedLoan Servicing did agreed that my employer qualifies as a government organization. I was employed from XX/XX/XXXX through XX/XX/XXXX. 

Additionally, the payments I made during this time period, XX/XX/XXXX through XX/XX/XXXX, do qualify for the PSLF program. I was paying through a 10-year Standard loan program. Everything I have reviewed for PSLF states that these payments should qualify for the PSLF program. 

Please help me resolve these issues with FedLoan Servicing. 

1 ) I worked for a qualifying employer from XX/XX/XXXX through XX/XX/XXXX, the Department of Interior Bureau of Land Management. 

2 ) I made qualifying payments from XX/XX/XXXX through XX/XX/XXXX, in a 10-year Standard loan program. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-11-08
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. (MD)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Consumer complaint received 2019-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MD)

On XX/XX/XXXX, I spoke to XXXX ( Customer Service Rep - AES ) in regards to my student loans that were sold to AES in XXXX. According to AES, the promissory note provided from XXXX Bank ( original loan servicer ) does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate of 7.2 % instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from AES and have not received the information. I was instructed to contact XXXX, which is my current loan servicer, as AES sold my student loans to XXXX in XXXX.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MI)

XXXX  and XXXX  show 2 closed charge off accounts on my credit report. XXXX shows an open, re-aged account as of XX/XX/2019. I do not have ANY open accounts with Wells Fargo. They are reporting incorrect and missing information. They have also listed the accounts as a profit loss and have wrote it off as bad debt but are still claiming a balance of these accounts. I disputed the information with XXXX, XXXX and XXXX on XX/XX/2019. Subscriber reports dispute resolved - consumer disagrees was the result with the Bureau 's and Wells Fargo not providing any proof of validation. The investigation was completed. The negative sill appears on my credit report. 
Their improper procedures are highly damaging to my credit score. Please immediately delete these accounts.
Consumer complaint received 2024-11-08
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. (KY)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-11-08
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. (UT)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$870.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$930.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EOS Holdings, Inc. (NJ)

I was XXXX turning XXXX at the time this account was opened by my mother without my consent. Verbally or written. I had no knowledge of this account being open. As i was a minor just turning XXXX
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

Companies who issue these cards should NOT have the right to hold funds due to a failed gas pump transaction and, then, take WEEKS to return the held funds to the consumer. Consumers must be tenacious and call the card company over and over to request release of the " held '' funds. Many do not even understand what happened to the funds since NO explanation whatsoever is provided. Most consumers eventually give up out of confusion, and I am sure the card companies reap huge financial benefits from " held '' funds that are never released back to the card. This is a form of theft and should be outlawed.
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hewitt-Capital (GA)

Hewitt Capital has been contacting my children and my mother about debt they say I owe ( and other messages to get me to call ). Of course I called them as soon as I received the number, and they said I owed money for a XXXX XXXX Loan with XXXX XXXX   ending in # XXXX. I have no idea what this is about, and I did not take out a loan. When I asked them for more information, they hung up on me -- twice. 

I asked them to stop calling my family members, and I hope they haven't called my work. 

I am a XXXX XXXX  ( 25 years ) with a credit score of 800+, and I don't want this fabricated loan to mess up my credit or make my family worry that I've suddenly become irresponsible after a lifetime of being completely responsible and dependable. How do I make this stop? And how do I protect my identity? They see to have my social security number.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Consumer has disputed inaccurate information reporting to 2 of the 3 major credit bureaus on behalf of the company LexisNexis Risk Solutions. As well as going directly to them in efforts to dispute the false and inaccurate information as well. LexisNexis has offered on more than one occasion an automated invalid timely response to consumers disputes. Responding outside of the 30 day window given and not updating each consumer report with marking the item in question as disputed. Consumer has sent certified letters on multiple occasions outlining a detailed response from this company, as well as placed a security freeze multiple times on consumers report to block any future inquiries on the inaccurate report. neither has been honored and in result consumer has suffered major financial injury loss and defamation to his name. Consumer has even reached out directly to the US District Northern Bankruptcy court and they've confirmed they furnish NO INFORMATION what so ever to any credit bureau or data mining company such as LexisNexis ( See attachments ) All the detailed evidence I have supports my claim of this inaccurate reporting.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2024-11-08
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. (MI)

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 seven 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 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (PA)

Enhanced Recovery Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. 

Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : {$81.00} dollars on : XX/XX/XXXX I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement then also reports " on Record until XX/XX/XXXX ''. Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 3. above named company reports two different inaccurate remarks on credit report : a ) that the dept was paid in settlement ; 2 ) that I still owe {$81.00} dollars. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 4. the above named company was not the initial company who I allegedley did business with ; 5. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially the inaccurate information states that I did busienss with XXXX XXXX. And not Enhanced Recovery. 

6. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ;
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX VERIFICATION OF DEBT Re : Account # XXXX Dear XXXX XXXX XXXX Division I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt.

I have also attached a copy of my Equifax credit report in which you are fraudulently reporting.

Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number. 
Do Not contact me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

Sincerely, XXXX XXXX XXXX Certified letter XXXX Main Office Address : XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Phone : XXXX XXXX Fax : XXXX XXXX Office Hours : 
Mon., Tue., Th., Fri.:XXXX XXXX XXXX XXXX
Wed. :XXXX XXXX XXXX
Sat. XXXX XXXX  XXXX XXXX  Drive-Thru Available
Shared Service Center Location Mailing Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Send Us A Message Shared Branching Locations Find Thousands of Shared Branching Locations Nationwide Call XXXX ( XXXX ) Visit XXXX XXXX XXXX to find a Shared Branching location near you. 

Report Lost / Stolen Visa Cards Available 24 Hours Lost/Stolen Visa Debit Card : XXXX XXXX Forgotten Debit Card PIN : XXXX XXXX Lost/Stolen Visa Credit Card XXXX XXXX XXXX ATM Locations Find aSurcharge-Free ATMnear you. 
( Select Full Service/Deposit to find deposit-taking ATMs near you. ) Credit Union Call Center Hours : Mon., Tue., Th. :XXXX XXXX XXXX XXXX Wed.:XXXX XXXX XXXX XXXX Fri.:XXXX XXXX XXXX XXXX Bill Pay Help Line Visit XXXX Access Online Banking Choose Pay Your Bills Phone : XXXX XXXX Bill Pay Support Hours Monday Friday:XXXX XXXX  XXXX ( EST ) Locate and Contact Us In your area XXXX - Main Office Address : XXXX XXXX XXXX XXXX 
XXXX, GA XXXX Phone : XXXX XXXX Fax : XXXX XXXX Office Hours
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

XXXX XXXX - a convention 20 year loan with inception date XX/XX/21, was transferred to Mr. Cooper. My loan payment was drafted half on the XXXX and half on the XXXX. The portion on the XXXX was immediately applied, I accelerated payoff. 

I got a letter from Mr. Cooper, Your loan is now ours. Promising no changes to my loan. After over an hour on the phone with Mr. cooper, they tell me that they can not offer the same payment conditions and APPLICATION TOWARDS MY LOAN as I had agreed to at origination with XXXX XXXX. This constitutes a material and costly change I did not ask for. Mr. Cooper refused to move my loan back, or apply more towards principal, instead offering my an 'equity acceleration program ' where I could pay more ( duh, don't need a service for that one ). 

This transfer process offered me no input, feedback or right of REFUSAL which is absurd and now I'm stuck, in a situation where I've been cost money and not made whole by mortgage services. 

Help my CFPB, you're my only hope