davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2018-02-22
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 (NV)

I contacted Wells Fargo on XXXX day regarding a transaction that I had completed using XXXX. Since I did not receive the goods I was promised, they explained to me that I could dispute the transaction. Th next day I contacted cashapp and they stated that they would refund my funds but the bank would need to submit a refund request. I submitted all the documentation to Wells Fargo regarding the information I received from XXXX and for their investigation. On XX/XX/XXXX, I was notified that investigation was final and they were reversing the transaction. I contacted XXXX  and they stated that Wells Fargo did not contact them and I ask Wells Fargo why they stated that they did not have too since it was my account regardless of the fact I did not get the product I received and the company was going to refund the money.
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This is 100 % identity theft and this collection company does not care. The consumer reporting agencies have stopped putting this collection account on my credit file. Each time they remove it, Portfolio Recovery Associates put it back on my credit report. They are trying to collect a debt from XXXX XXXX that is not owed and they should not be reporting it to my credit file. I have a police report! 
This situation emerged since my personal data is cherished to thieves, and Portfolio Recovery associates are in the business of buying collection accounts that arent owed. They retaliated against me for filing a complaint with C.F.P.B. This retribution came at the behest of Portfolio Recovery Associates C.E.O. As  a Veteran who fought for this country, and a XXXX XXXX Family Member they are treating me like the scum of the Earth. 
Furthermore, I have collected social security benefits for the past twenty years. I can not afford a credit card from XXXX XXXX. In fact, my brother is the overseer of my finance. I only get {$710.00} per month. If XXXX XXXX approved a card in my name then they must be charged with fraud. Even if I owe it, I can not pay it, and they can not pursue civil actions against my social security benefits. 
Please help protect me against this horrendous collection parasite of a company. I had no other choice but hire Attorney XXXX XXXX for protection. Please help!
Consumer complaint received 2018-02-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!
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. (CA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a 15-year fixed rate refinance on my home with Bank of America on XX/XX/17 with a cash out amount to cover bathroom remodeling. I paid BOA over {$500.00} for a home appraisal. At that time my master bathroom was gutted to the studs. Prior to allowing the appraiser ( hired by BOA ) access to my home, I asked her if the unfinished bathroom would be an issue with the loan. She stated no- only if it was an addition to the home, not an interior renovation. One half hour before closing time on Tuesday morning a few weeks later, I got a call from the closer stating there were no closing documents and that closing would not take place. I then called BOA who stated there was a glitch and since my renovations exceeded more than .05 % of the appraised value of the home ( XXXX ) - that the closing could not occur until the bathroom was at least partially completed. BOA had that appraisal for several weeks and no one said anything about my gutted 40 sq. ft. bathroom until the day of the closing. I then incurred heavy credit card debt to finish the bathroom so the loan would go through. BOA wanted to know how the bathroom was paid for- where I got the money from, etc. I cashed in an IRA for XXXX to help defray the costs and ran up my XXXX card, and used my savings to pay for the bathroom at their demand!! They demanded another inspection ( at MY expense ) which was completed. I was promised after the inspection a closing date would be set. There were several other closing dates set, but all were called off. There was a re-evaluation of my debt-to loan ratio and they demanded more and more information on a daily basis. This went on for over 3 months. I have gotten ill twice during the process. My hair fell out in clumps. BOA had me in a Catch-22 situation. I did not have money necessary to complete the renovations, and that is why I applied for the loan. They then balked at processing the loan due to the debt I incurred FOR THEM!! And each day they prolonged it, it is cost ME money due to fees to extend the rate lock. I finally threw in the towel and cried ENOUGH! This is consumer ABUSE!!
Consumer complaint received 2024-11-24
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

XXXX  to raise my credit score. 
I now have a paid in full account as of XX/XX/2019 with XXXX XXXX. 
XXXX to update my credit score to higher!! 
Please send me proof this was done today -- my credit report and score.
Consumer complaint received 2019-01-24
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. (TX)

My Equifax score is over 100pts lower than the other two major agencies. I spent 2 hours  over the phone speaking to a bunch of people in XXXX who have my sensitive data, and are holding it hostage, and lying about me to anyone who reads their report. Their information is so outdated/flat out incorrect that I can not verify my identity to their satisfaction. Seems like a racket. They wont even give me a score for free. It's all a racket with our data. These jokers couldn't even keep said data safe. They should be shut down by congress. Neither of the other two agencies operate like this. I've disputed things easily with them and had them removed. Equifax added stuff the last time I tried to dispute. They're a cancer to our society, and totally inept at their job. There are easily 5+ closed  accounts that are over a decade old on my report.
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  XXXXXXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NJ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX Employers : XXXX XXXX  Employers : XXXX XXXX
Consumer complaint received 2019-10-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}, {$2900.00}, {$7500.00}, {$7500.00}, {$15000.00}, {$500.00}, {$3000.00}, {$2700.00}, {$1500.00}, {$30000.00}, {$18000.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2700.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX has continuously called me for a debt that does not belong to me. Theyve left me several threatening voicemails saying that if I or my husband did not contact them they have to make a decision on his behalf that could have a negative lifelong effect on him. I have searched the legalities behind debt calls and have found that such tactics are illegal. I have asked them to stop contacting myself, my husband, and my husbands extended family regarding this debt but they have not stopped. I have the voicemails saved to prove these tactics that I am more than willing to supply if needed. I have also sent these voicemails to the XXXX XXXX company we are working with as well so that they have them on file.
Consumer complaint received 2020-03-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE (VA)

In XXXX of XXXX I purchased an XXXX laptop computer for my daughter attending her XXXX  year of college. In the store I was informed that they offered a " same as cash '' offer from BarclayCard that as long as I signed up for " autopay '' there would be no interest. 

After a week or so I received the traditional credit card disclosures from BarclayCard and a credit card I have not used. However, I did not receive ANY materials regarding the fact that the " interest free '' period would come to an end. Nor did I receive a date upon which it would end, thus triggering the balance of ALL interest ( since the initial balance ) coming due. 

Upon noticing the change in payments I contacted BarclayCard and was informed the following : We apologize for the confusion regarding the interest charges. Upon review of your account, your deferred interest promotion expired on XX/XX/XXXX. 

Deferred interest financing offers give you an extended amount of time to pay off purchases without being charged finance charges - as long as the promotional balance is paid in full by the end of the promotional period. If the purchase is not paid in full by the promotional expiration date displayed on your monthly statement, the finance charges that have been deferred during that promotional period will be billed to your account at the purchase APR 15.49 %. 

All of the details surrounding your promotional balance are outlined on your monthly billing statement. While minimum monthly payments are required throughout the promotional period, making only minimum monthly payments doesnt guarantee that your purchase ( s ) will be paid in full by the financing offer expiration date. Additional payment ( s ) may be required to avoid interest charges. 

Since the expiration of your promotion, you have been charged {$630.00} in differed interest and {$170.00} in purchase interest. 

We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Care
Consumer complaint received 2018-09-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TN)

We are Executor and heirs to the property in question and we were not aware of a mortgage on the loan. We are in jeopardy of losing our family home because we were not served a Notice of Foreclosure. The deceased parties have been deceased since XX/XX/XXXX and XX/XX/XXXX with No mention of a mortgage. 

We need time to verify that the debt is in fact our family debt and if so we must be given a payoff so that we can settle the matter.
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (MA)

I am a Massachusetts XXXX. 

On XX/XX/XXXX I was the settlement agent for a closing at XXXX XXXX XXXX in XXXX, Massachusetts. 

The lender was Fairway Independent Mortgage Corporation ( NMLS ID # XXXX ). 

On XX/XX/XXXX I approved the lender 's CD. 

I closed using the agreed upon CD and disbursed funds accordingly. 

The next day I was contacted by XXXX XXXX. She works in the lender 's post-closing department. 

( Her address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MA XXXX. Her direct line is XXXX. ) XXXX informed me that the CD signed at closing was not the final CD. 

The numbers were accurate. However, the lender intended to send the CD again labeling it " Final ''. 

I informed XXXX that I could have such a CD signed and sent back to her by the end of the day ( XX/XX/XXXX ). 

She refused. 

Instead, she insisted that the loan re-close. 

This will cause serious financial hardship for the borrowers. 

I ask that the CFPB investigate the matter. 

Closing documents are often resigned after closing and it never requires the loan to re-close.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NV)

A Wells Fargo credit card was opened in my name, phone #, and social security number. I did not open this account nor did I use it. I need help fixing this problem.
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. (IL)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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


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


I demand the late payment to be updated. 


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


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


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


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


Update the late payments from my consumer reports
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. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX. XXXX I got a notification of a hard inquiry from XXXX XXXX. I never applied for an account on XXXX  XXXX. I contacted XXXX to remove that hard inquiry and they did but now I have an account closed on my credit report. It shows that the credit limit was XXXXXXXX XXXX and someone charged XXXX XXXX on it. On XXXX XXXX  for XXXX and trans union it still shows the hard inquiry on my credit report and they asked me to file a police report or to file it on this website so I can send it to them and then theyll be able to remove my hard inquiry