davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
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. (FL)

Transunion is not reporting correct information to my credit report. The name on my credit report is wrong, I have never went by XXXX XXXX XXXX. I have submitted my Florida driver 's license and my marriage license to Transunion on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX but I never had the error corrected. Also XXXX collections that were fraudulently open still reflect my credit report. XXXX from XXXX XXXX XXXX who I do not have the account number for instead I have a reference number it 's XXXX ; should be removed. I made a fraud affidavit with the FTC known as identity theft.gov and the reference number is XXXX. XXXX XXXX XXXX agreed in writing to remove their Collections too but only removed them from XXXX. That collection should also be removed from my credit report. The other fraudulent collection is from XXXX XXXX XXXX whom they also agreed to remove that collection. Keep in mind that none of these debt XXXX never sent me any notice that I was being placed in Collections. They never gave me any time to dispute these fraudulent accounts. It 's the law for these companies to do that. You are aiding and abetting these companies to break the law by letting them report false information to my credit report. I need the name on my credit report fixed it should be XXXX XXXX that is who I am. I 'm not changing this is who I am not XXXX XXXX XXXX. I do not know who that is.
Consumer complaint received 2017-09-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Law Offices of Gerald E Moore & Associates, PC (OH)

This law office revealed to me that a named third party has a debt in collection. This may be an attempt to harass me because I filed a CFPB complaint against another debt collector a few days prior. 

On XX/XX/XXXX, I got a message on my answering machine from a representative of the Brett M. Borland, P.C. law office about a debt. Today, on XX/XX/XXXX, I called that representative, and she confirmed via transparently evasive language, that someone else has a debt in collection. 

The timing seems suspicious to me, because a company called XXXX, in response to my complaint # XXXX against them, stated on XX/XX/XXXX. that my " telephone number has been removed from our system. Additionally, we have placed the telephone number on our internal Do-Not-Call directory ''. Note, their language does not exclude passing my number on to a third party. Two days later, I get a call from a law office, looking for the same person to collect a debt. 

It seems reasonable that XXXX passed the collection file to a law office as a means of harassing me in retaliation for filing the complaint. The Borland law office representative told me specifically that they are not associated with XXXX in any way. She also had no interest in finding out her firm had possibly been used as a harassment tool, and hung up on me when I tried to enlighten her.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

Hello MOHELA recently changed its name to XXXX  XXXX XXXX and reported my loans again to XXXX so now I owe double the amount that I currently owe. As a result, my credit score went down by XXXX points. 

I tried calling them, but it'd take so long for anyone to even answer. I would like to get this fixed as soon as possible by them.

Thank you, XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I am writing to formally file a complaint against Experian regarding their inaccurate reporting of a balance on my closed account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note Experian never follows up or investigates anything. I have months and months of documentation on them and a lawsuit will follow next. 

I disputed these issues with Experian, as the ongoing reporting of a balance on this closed account is both misleading and inaccurate. This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 1681i : The right to dispute inaccurate information in my credit file.

Section 1681s-2 : The requirement for furnishers of information to provide accurate and updated information to credit reporting agencies.

Section 1681e ( b ) : The obligation of credit reporting agencies to ensure maximum possible accuracy in the information they report.

Section 1681c : The rule that closed accounts should not continue to show a balance.

Despite my attempts to resolve this issue directly with Experian, they continue to report an incorrect balance on this closed account, which is adversely affecting my credit score and financial standing.

I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with the FCRA.
Consumer complaint received 2017-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

After several attempts to get a modification to no avail, I was not able to get lender approval for a modification. I had no other chose but to sale my home. I never receive anything from the lender giving me other ways or options to avoid foreclosure. When I decided sale my home to avoid foreclosure, I listed my home for sale with a Real Estate Broker and later received an offer to purchase the property. I contacted the lender to let them know I wanted to sale my house and requested a short sale package. The lender representative XXXX, told me that the real estate person needed to do that and to get the SS package online. I also asked for a pay off statement to see what exactly did I owe and the lender XXXX, said that the real estate agent or escrow handles that and the lender asked me if I had a buyer and I told them that a lot of people have been looking at the house. Once I received an offer from a buyer my agent contacted an escrow company who then contacted the lender and submitted per lender request a complete short sale package ( that was googled and found online ) to the lender along with the listing agreement, purchase agreement, buyer POF, HUD statement, and occupancy certification per the lender request. I also submitted a request for relocation assistance. The file was sent to the lender for SS approval, after several lender request of documents. Which means to me they had time to review and make a decision on the SS package. I received a letter stating that the lender received the package and it was in the process of being reviewed. Waiting patiently, today I was notified that the SS was turned done without reason and the sale was not going to be postponed which is taking away my right to avoid foreclosure by short selling my home and creating a hardship by not having any relocation money.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC. (MA)

Credit Bureau Associates NE for the amount of {$11000.00}, I have sent Credit Bureau Associates NE a Debt Validation and they have not responded. I have no knowledge of this alledged debt.
Consumer complaint received 2024-10-12
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: Experian Information Solutions Inc. (NY)

I made my installment payment on my credits before Experian before the timeframe my most credit score is dated. I disputed 3 times with document and they do not want to fix the error in real time. 

XXXX and XXXX is not report all my lines of credit.
Consumer complaint received 2024-10-12
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: Experian Information Solutions 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 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

First, this complaint is n't about XXXX. It is about TransUnion. 
I 've have a credit freeze on my TransUnion account for many years. A company that I wanted to do business wanted to access my credit report. So I called TransUnion and had them temporarily remove the credit freeze but install an access code. I specifically asked whether anyone would be able to access my credit file without the access code and was told " No. They must have the access code. '' About XXXX minutes later, I decided to go to the XXXX website and get a copy of my TransUnion credit report. XXXX did not ask me for my access code ( instead asking me a few questions about prior addresses, etc. ) and did provide me with a TransUnion credit report. This means that TransUnion sent them my credit report without my access code being provided. I called TransUnion immediately after this and verified that I do have an access code. However, they told me that a company asking for my credit information does not need the access code to access my credit report. ( They said that most banks have configured their software to recognize that an access code has been set so that they can ask the customer for that code, but the banks do n't have to do so ). So basically, an access code would provide no protection if the inquirer did not care to honor it. As far as I 'm concerned, TransUnion made a fraudulent claim about how the access code works.
Consumer complaint received 2017-09-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: MB FINANCIAL, INC. ()

An international wire payment of XXXX {$240.00} ( Reference Number : XXXX ) was sent on XXXX XXXX, XXXX, through XXXX Bank, XXXX, XXXX to credit : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, against their proforma invoice # XXXX dated XXXX XXXX XXXX. 
through their Bank : XXXX XXXX Bank, NA XXXX XXXX XXXX XXXX, IL XXXX A Wire fee of XXXX XXXX was paid in addition to the XXXX {$240.00} payment. 
XXXX XXXX Bank deducted a further XXXX {$20.00} from the vendor, which was then billed to us by XXXX XXXX Invoice # : XXXX dated XXXX XXXX XXXX for XXXX {$30.00} )
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 
XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX # XXXX, has violated my rights. 


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 2024-10-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ; ( XX/XX/year> )
Consumer complaint received 2017-09-23
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: ERC (FL)

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX XXXX 2. ERC 3. XXXX XXXX XXXX
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Equifax incorrectly lists an account closed ( circa 2007 ) as active ( XXXX XXXX ). 

When I followed its instructions to dispute incorrect information, the site tells me : " Service temporarily unavailable The service youre requesting is unavailable due to system maintenance. We apologize for any inconvenience. Well be back up and running as soon as possible. In the meantime, you may submit your request by mail along with any supporting documents to XXXX XXXX XXXX, XXXX, GA XXXX. You may also call XXXX including to request a copy of the results of any completed credit file dispute. 

Thank you for your patience! ''
Consumer complaint received 2017-09-23
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: TENET HEALTHCARE CORPORATION (FL)

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. XXXX 3. XXXX XXXX
Consumer complaint received 2017-09-23
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. (CA)

I contacted Transunion and requested all these unauthorized inquiries on my credit report to be removed customer service would not help me on this matter and stated that i am at fault that theres nothing they can do. I am requesting to have my inquires deleted from my credit reportXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( ( unauthorized ) XXXX/XXXX/XXXX XXXX ( ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXXXXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX-XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXXXXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

Dear Truist Customer Service Team, I am reaching out with a matter of utmost urgency and concern. I have contacted Truist on multiple occasions regarding unauthorized withdrawals from my account by XXXXXXXX XXXX, a company with which I do not have an account nor have I authorized any transactions. To date, these unauthorized withdrawals have totaled over {$1200.00}. 

Despite my repeated requests, I have been informed by Truist representatives that the bank is unable to block these unauthorized withdrawals. I am aware that financial institutions often have measures available to protect account holders from unauthorized transactions. I am therefore asking again for Truist to implement any available security measures to prevent further unauthorized access to my funds. 

Please treat this matter with the seriousness it requires and provide a solution that safeguards my account. I look forward to your prompt response and a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

On XXXX XXXX, XXXX I checked my credit report and saw that ProCollect , Inc was reporting a past due amount for an apartment complex. I called to speak with a representative regarding a resolution on the account and possible deletion from my credit due to I never received a notice regarding this balance. The representative was not willing to work with me regarding settling this debt but kept demanding I pay the balance in full and they would not remove from my credit. I requested to speak to a supervisor and she was very rude, unwilling to help, and very unprofessional.
Consumer complaint received 2017-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AR)

1. Wells Fargo admitted they tried to steal my home. Wells Fargo admitted they illegally processed data for my Mortgage loan on Page 2 of the letter they wrote XX/XX/XXXX in response to CFPB complaint ( XXXX ). I would like the Consumer Financial  Protection Bureau to investigate the crimes admitted to by Wells Fargo. Wells Fargo has failed to provide evidence that the current Balance is correct they have continued charging on my Mortgage loan ( after their Fake Foreclosure Attempt ). Please investigate improper handling of my Mortgage loan status and gross errors in financial accounting by Wells Fargo. I am an elderly man that has been the victim of Elder Abuse by Wells Fargo bank representatives. 

2. In response to CFPB complaint ( XXXX ) on XX/XX/XXXX, Wells Fargo lied and completely fabricated the information they provided to the Consumer Financial Protection Bureau. I, XXXX XXXX, never spoke with them on XX/XX/XXXX regarding my Escrow balance. I, XXXX XXXX, NEVER Signed the Hold Harmless Agreement Wells Fargo Bank falsely presented to the CFPB nor did anyone acting on my behalf. A Wells Fargo Bank employee forged my signature like they have done so many times before in well documented cases with other consumers. 

3. I have included a copy of their fake Hold Harmless Agreement Signature next to my own. Anyone can clearly see the Wells Fargo Hold Harmless Agreement DOES NOT CONTAIN MY TRUE SIGNATURE AND WAS FORGED BY WELLS FARGO. 

4. Please let the record show that I will sue Wells Fargo and hold them completely responsible for elder abuse, fraudulent accounting, RESPA violations, theft, and forgery. 

Copies of the Letters and Evidence that My Signature was forged is attached. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (UT)

I opened a checking account with US Bank at the beginning of XXXX under a promotion where I was to receive {$200.00} within 60 days of having a direct deposit to the account of over {$500.00}. My first direct deposit from work of over {$1200.00} posted to my account on XXXX XXXX. According to the terms of the promotion, I expected to receive my {$200.00} bonus before XXXX XXXX. I never received the bonus. I sent an email to customer service asking when I would receive the bonus, received an automated response indicating someone would get back to me, and nobody did. I called US Bank on XXXX XXXX to inquire about the bonus and the customer service agent indicated that after researching the terms, he believed I met the terms and that I should have received the bonus and submitted a request for it to be looked into. He said I would either receive the bonus on XXXX XXXX or somebody would call me on the XXXX to discuss the issue. The money never showed up and nobody ever contacted me. I obviously find this treatment to be very frustrating and unprofessional.