davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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. (CA)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account name : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2018-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

on XX/XX/XXXX I was notified of water damage to my basement. I was out of town at the time. I notified XXXX the Insurance company. They Issued me a check made out to myself and US Bank Mortgage company. I was told I had to find a contractor for the work. the insurance company / adjuster could not recommend anyone. I was not told of any guidelines or conditions that had to be met by the contractor. This is the first time I've had to deal with an issue like this. I took the Check and contractors estimate to the Local US branch where the Manage called the loss draft department for steps how to process the check. He and I were told I would assign the check and he would nail it to them they would reissue a check to me. that was on XX/XX/2018. I naively expected a check the following week and had the contractor start work. a week later I get a packet requesting documents but no check. I had to pay the contractor XXXX dollars to start. I held off paying my mortgage to pay the contractor. now I'm behind I start getting threats of foreclosure in the mail. demands to start applying for loss mitigation. I hadvtas XXXX 2 weeks off work without pay and get hit with all of this so now I can only expect 25 % then another 25 % after the inspection. The loss draft department keeps delaying payment. claims they have not received documents I had faxed. coming back and requesting my signature on forms that did not ask for my signature. The contractor finished and I paid him the balance owed on XX/XX/2018. I faxed the loss draft department the receipt. I recieved a check in the mail for 25 % on XX/XX/2018 made out to me and the contractor. I called the loss draft dept. that day and aasked why they put the contractors name there when i sent them the paid in full receipt? they claim they did not get it. I took the receipts and check to the XXXX Ohio US Bank branch on XX/XX/XXXX and had the Manager, XXXX XXXX copy them put them in an overnight envelope to the loss draft department and heard him speak to XXXX XXXX in the resolutions department about all of the above.. I recieved received email notification they received it on XX/XX/XXXX. Today. XX/XX/XXXX I get a call from the loss draft department that my request to have the contractor removed from the check was denied because they show he is still owed money. so I ask what happened to the paid in full receipt? ahhh there it is. another 5 tov10 day delay. Us Bank sent their inspector on XX/XX/XXXX the work is 90 % completed. I had to submit approval to the insurance company to rreplace carpet. that is pending and all that needs done. I am broke out of pocket. They are threattending foreClosure if I dont have XX/XX/XXXXs paymdent paid by the XX/XX/XXXX. and they want to kee.g.p delay reimbursing my insurance payment.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute previously and it was supposed to take up to 30 days and it took 60. I never received the actions that were taken regarding my request for identity theft on my consumer report.
Consumer complaint received 2023-06-15
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. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original creditor XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2018-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

Dear Sir/Madam : I am not certain if I am contacting the correct agency, but need assistance filing complaint against Wells Fargo regarding a mortgage. Shortly after hurricanes Katrina and Rita ( 2007 ) my mortgage was sold to Wells Fargo- which is to say it was the start of my problem. Although I have a fixed 30 year mortgage for the past 2-3 years my mortgage payment has varied with Wells Fargo. After numerous complaints, Wells Fargo stated the reason is that either : ( 1 ) my escrow was underpaid ( although I did not have an established Escrow account ) ( 2 ) Wells Fargo stating the bank is now paying my Real Estate taxes- which I previously paid on my own for the past 18 years, and still will pay on my own ; ( 3 ) Wells Fargo stating the fluctuating amount is due to upcoming taxes of less than {$520.00} ; however, Wells Fargo is erroneously collecting as of today 's date over {$1000.00}. For approximately the past twelve months Wells Fargo has added initially XXXX to my principal and interest, stating the bank is now paying my Real Estate taxes which amount annually to {$520.00}. within the past 12 months, my total payments consisted of {$800.00}, {$79000.00}, and now {$740.00} although the

principal and interest of this account is {$650.00}. I do have {$550.00} in unpaid late charges to which its my understanding that I can pay at the end of the term of the loan, but it's my belief, Wells Fargo is collecting the additional fees to collect the unpaid late charges in additional to an overage for unknown reason ( s ). After filing numerous complaints with Wells Fargo I am told its the bank rights to collect the upcoming taxes. although the amount exceeds my annual real estate taxes. and that Wells Fargo has the right to collect and apply the overage to my principal without my authority. At this point, my monthly mortgage has increased from {$650.00} to {$740.00}, but five months ago my monthly payments were {$790.00}. Any assistance or referral you can provide will be greatly appreciated.
Consumer complaint received 2023-06-15
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. (SC)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

XX/XX/XXXX I deposited {$1500.00} into my credit card account at Citibank on XXXX and XXXX XXXX XXXX. 

XX/XX/XXXX I tried to pay my Public Storage bill I went to Citibank to ask for a refund. The bank manager called the credit card company, They said it would take 7 to 10 days. 


XX/XX/XXXX The amount was not returned, I called the credit card company, they seemed confused and ATM stated that owed $ XXXX.Several calls later the matter has not resolved. They said they mailed me a check for less than amount received.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (CA)

On XX/XX/23 I received a strange call claiming to be FNBO Fraud department, letting me know that my entire account for MGM Rewards credit card was frozen. No prior notification in any form ( mail or email ) was provided. Out of the blue, everything was frozen for me, I can't see any of the transactions prior to the freeze, I can't see my balance, I can't pay the card. Thinking that it was scam, I called the number on the back of the card. I was transferred to the " research '' department, where they told me that I need to provide a copy of my Driver 's License, copy of my actual social security card and a copy of my recent W2 in order for them to review my account. And the only way to get that info to them was either by mail, fax or email. A couple of days ago I finally received a letter from them providing me with the fax number and email address that doesn't seem to be affiliated with FNBO. I am refusing to provide my utmost personal info to them in the manner that they're requesting. Additionally, on their website, it specifically states to not provide any personal information in that format and that FNBO will never request any of this information. I requested for a secure portal to be provided to me so I can upload the documents. They said they don't have one. I asked to go to a physical branch to physically prove my identify, they said they don't have a branch around me. I also asked about the status of my pending rewards which are directly linked to my credit card, and I have been accumulating for a couple of years now, they had no answer. I asked if I'm still accruing interest fees while my account is on hold, they said yes. If I don't provide this info to them in the formate they are asing they will close my account. I will have no way to tell if there was any fraudulent activity before the card was closed, and I will be forced to pay the balance without being able to review my statements. This is in a situation where I HAVE NO ACCESS TO ANY TRANSACTIONS ON MY CARD. I asked to speak with a manager, they refused my request. Both individuals that I spoke to were extremely rude to me. They said they mailed me a letter, I never received anything from them. The letter arrived more than a week after the first conversation, and after numerous calls I made back to them. I'm coming up to my payment due date, they want me to pay the card without being able to review my account and charges on the card. In other words, I have NO CONTROL of the situation. Per my research, this is unlawful practice by the Bank. They can't just refuse me my access to my card activity. P.S. this same credit card company increased my credit limit recently, without my request or knowledge, after which they placed a block on it.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CFPB collection dispute complaint, On XXXX 2023, XXXX XXXX XXXX collection added a derogatory mark on my credit report per XXXX XXXX  and XXXX. Upon further research, this account was transferred/ sold from one account to XXXX XXXX XXXX collection. 


I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX  collection did not verify my debt validation, and which shows XXXX XXXX XXXX collection has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

The letters are stated with items and issues.

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 2023-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (DE)

Regarding NCC file XXXX, claiming I owe XXXX to XXXX XXXX XXXX. I have been in contact with XXXX XXXX regarding this bill and it has been paid through my XXXX XXXX ( see enclosed ). I contacted their customer service a couple of times about the communication/system issue between XXXX and XXXX XXXX and was told to keep waiting because XXXX sent a physical check. 

I called again today ( XX/XX/XXXX ) about the service date XX/XX/XXXX for XXXX XXXX ( spouse ) and the agent confirmed I had a XXXX balance even though they couldnt discuss any details because of HIPPA XXXXXXXX XXXX XXXX XXXX 

I now am demanding a physical receipt from XXXX XXXX showing this service has been pif aside from what XXXX is showing in my statements I also demand proof any information from Nationwide Credit reported to the 3 major credit bureaus has been removed.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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.

The letters are stated with items and issues.

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 2023-06-14
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. (PA)

I am corresponding regarding the INQUIRIES section of my consumer report. After reviewing my consumer reports today, I do not recognize any of the following inquiries listed. Furthermore, I can not find any record that gave them permission to pull my credit report, or to report my information to any 3rd party, thus making them unauthorized. 

UCC 1-201, 18 USC 1028a ( a ) ( 1 ) ( c ), 15 USC 1681d , 15 USC 1681c-2 , 15 USC 6802 ( a ), 15 USC 1681b ( 2 ), 15 USC 1681q, As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. I do not wish to have a fraud report to be placed on my reports. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. 

I do not wish to have a fraud report to be placed on my reports. Should I, in the future, wish to have a fraud report on my account, I will do this myself. 

Should this deletion not occur, please respond to me within 30 days citing detailed and specific reasons for not deleting each line.
Consumer complaint received 2023-06-14
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. (CA)

I've already tried many times to fix this with Experian. I've even begged and pleaded. 


My XXXX auto loan shows that I have been late 2 times XX/XX/XXXX and XX/XX/XXXX. Ive request to have these lates removed many time but they are still there. I've asked for a good will / good faith measure as well. See... here 's the problem... These lates do not show up on any other credit bureaus report namely XXXX and XXXX. WHY is it still showing on Experian? All the information should be the same across the board for all XXXX bureaus. This is an inconsistency. 

Also... There is the WRONG address for me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA is NOT my address. 

My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please CORRECT MY ADDRESS to the CORRECT one. 

Also, there is an inquiry on XX/XX/XXXX from XXXX XXXX. This needs to be removed as well.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

I called XXXX XXXX the last week of XXXX and the first week of XX/XX/2018 in an attempt to try to pay the past due balance of XXXX. When I reached out to them they told me that the debt was too old and they can't receive payment from me. I was told the account had been forwarded to their legal department and reported it to the IRS and legal action was being taken. Then I was told the account had been sold. When I asked who was the third party it had been sent to, I was first told was unknown then I was told that I could not get that information and had to wait to be contacted. I am currently still waiting to be contacted and have not heard anything from anyone but they keep negatively reporting it on my credit report every month despite my attempts set up arrangements to pay the debt.