davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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. (CA)

I have sent in the necessary documents to Transunion credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today XX/XX/XXXX XXXX XXXX  ET, that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Transunion 's fraud department under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. 

Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 


And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, immediately.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LJ Ross Associates (FL)

There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. 
( XXXX XXXX XXXX XXXX XXXX.. hard inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... hard inquiry on XXXX XXXX XXXX There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

In XXXX  and XXXX I borrowed a total of XXXX USD of XXXX  loans from US Dept of Education serviced by XXXX  Once I graduated college in XX/XX/XXXX, I started paying back these loans with a XXXX XXXX living at my parents. I completed repayment on XXXX XXXX XXXX XXXX. This was my first line of credit I had ever taken. 

On XX/XX/XXXX, XXXX XXXX notified me of adverse action due to my credit report. The age of my longest account, and the average of my accounts being less than 5 years. I considered this strange since my original loans were over the 8 years 10 months listed. I looked at the credit report and found that my XXXX loans from XXXX XXXX XXXX were missing from the report. 

I called Experian on XX/XX/XXXX at XXXX as there is no online option to dispute missing information ( only available for existing information ). They said it was not being reported on because the loan servicer was no longer reporting the information. 

I called XXXX on XX/XX/XXXX at XXXX, the new loan servicer. I spoke with a credit reporting officer there who let me know the information was available as seen on the website display, but the data was not being requested from the credit bureau, likely because it has been over 10 years since the accounts were paid in full. She recommended I ask Experian representatives when the " XXXX XXXX was deleted '' as that without a trade line entered, no data would be automatically transferred from XXXX to Experian. 

I called Experian again on XX/XX/XXXX at XXXX. The representative in the dispute department informed me it was against the law to report on data over 10 years old and they were unable to complete the request. I explained that the information they were providing the insurance company was incorrect and incomplete due to this data being left off, especially as it is in my favor to have a long running loan successfully paid off early. The call disconnected. I haven't received any followup. 

I will try to contact Experian again regarding the issue, however I am unconvinced my efforts will do much without going through additional avenues. 

To summarize, I paid off my original XXXX loans early which gave me a great credit score. However, 10.5 years later after paying them off, I am now having adverse action taken against me by insurance because the reporting by Experian is no longer giving a complete credit report and is misrepresenting my credit history.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

As a consumer, I believe that I should have the right to opt-out of soft inquiries that do not provide sufficient protection for my credit file. I previously requested to permanently opt-out of promotional offers and advertising solicitations from Experian 's vendors, but my request was not honored. When I spoke to XXXX and XXXX, two Experian representatives, they informed me that vendors have unrestricted access to my credit report. In order to safeguard my privacy, I decided to freeze my credit file. However, Experian continued to allow vendors that I have no affiliation with to access my credit file every seven days, which is a violation of the law. As a result, Experian has performed soft pulls on my file from XX/XX/2022, up to the present day. The entity that accessed my information is located at XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I want to clarify that I never authorized Experian Data Quality to pull my credit report every seven days for any reason. These unauthorized soft pulls by Experian Data Quality are concerning.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

A cashiers check was issued by XXXX XXXX XXXX  for {$440000.00} on XXXX and deposited into XXXX XXXX XXXX  Truist Bank account number XXXX. No hold was placed on the account at that time. Bills were paid, payroll processed, wires sent to pay for materials. 

On XXXX I received an email indicating a hold was placed on the account to which I called Truist. They put the account on a 7 day hold. I waited until XXXX for the 7 day review. The hold was released and I was able to use the account for 24 hours before another hold was placed on our account. I called Truist and they said that the account was under review and no other information was available. I was in XXXX at the time for work and a local Truist branch was not available but I called back to XXXX XXXX, Branch Leader, in the XXXX branch ( where the cashiers check was deposited ) who indicated there was nothing she could do as it was XXXX  XXXX XXXX who put the hold on the account. 

I traveled to a XXXX  XXXX XXXX Branch in XXXX and spoke with XXXX XXXX. XXXX. He gave me a copy of the cashiers check that was processed and paid to Truist on the XXXX. 
He called Truist and spoke with the back end services personnel indicating the funds are definitely transferred. The back end said they would make a note in the system and then call back the next day as it was past XXXX East Coast time. I never received a call back. 

On XXXX XXXX I traveled to Truist Bank at XXXX XXXX XXXX XXXX XXXX, PA XXXX and spoke with Branch Leader XXXX XXXX. She contacted an ops manager as well as the Truist Back end services contact who stated the account is under review and XXXX will receive a letter in the mail. She gave me a number of XXXX to call to speak with the Fraud Line. I have called 4 times in the last two days trying to find out what is going on and no one has any answers. 

To date we have incurred {$10000.00} a day fines for non performance since last Wednesday. Payroll is suspended and is effecting all the employees including myself. Electric Bill, Cable Bill, Insurance, State Department renewals/licensing are all returned and we are subject to fees.
Consumer complaint received 2016-03-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Guglielmo and Associates (AZ)

On XXXX/XXXX/16 I noticed a significant amount of money missing from my daughter 's and I checking account ( she is primary ). I then pulled up my bank info and seen that there was a debit for {$1200.00} on XXXX/XXXX/16 w/ XXXX others legal fees of {$120.00} and {$150.00}. I went to the bank to get any info I could and all they could provide me was a phone #. I called and was prompted to contact my employer directly ( garnishee ) My employer received no notification of such action being taken, nor had I. I finally googled the phone # to find a website of a law firm/debt collector. I filed a complaint on that website stating that I received absolutely no notification of this action and wanted the my daughter 's funds returned to the account and that I can only communicate by email until XXXX due to my work hours and would be able to take calls after XXXX. I noticed about 10 minutes after XXXX I missed that phone call at XXXX XXXX ( I was n't even logged out of my work computer ) This morning I sent another message to them to wait at least 8 min after XXXX so I am clear to answer my phone. 
I still do not know what this debt is for or if it is even legitimate. 
The law firm whom debited funds belonging to my daughter is Guglielmo and Associates in XXXX, AZ XXXX. 
I appreciate any assistance I can get. Thank you, XXXX
Consumer complaint received 2023-08-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OH)

This debt collector has repeatedly sent me emails and updated my credit report to show a balance that I am unaware of! My final rent payment was paid in full via state agency rental assistance. I have proof! Also this debt collector is not authorized to collect debt in the state of Ohio. They are stating I owe {$520.00}
Consumer complaint received 2023-08-28
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: EQUIFAX, INC. (CO)

I have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Auto is reporting a late payment of XXXX in the month of XX/XX/2023. 

This is adversely impacting my credit score and should be removed as I have never been late on any of my 3 Wells Fargo accounts.
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

I contacted Guaranteed rate on XX/XX/XXXX to get the property taxes taken off my mortgage because I have a 15 year tax abatement. Im being charged XXXX extra dollars a month. I was told after a year the account would be audited and the extra money would be taken off and all the money would be returned to me. The mortgage had been sold to XXXX XXXX and they are telling me they have no paperwork stating that I have a 15 year tax abatement. I then called Guaranteed Rate back and they are saying since the mortgage has been sold they can not help me. Paying a extra XXXX $ a month is putting a financial burden on me.
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: TD BANK US HOLDING COMPANY (OH)

I was called by Offices of XXXX along with my family members advising that I was going to be served with papers the next day. Then if I was n't there they would come to my job and notify my human resource manager. In addition they said I will need to appear in court if I am not there to sign for the summons .They told me I needed to make a good faith effort payment over the phone then sent me an email of terms I did not agree to.
Consumer complaint received 2015-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CORNERSTONE MORTGAGE, INC. (KS)

We have been challenged with medical expenses compounded by tax obligations tied to a previous complaint with XXXX. I am writing to ask for the CFPB to review the policy for loss mitigation practices for Cornerstone Mortgage. I applied in early XXXX 2015 asking for consideration on a 6-12 month modification. They acknowledged receiving and asked for additional information. They state that they do not consider the options until deemed facially complete. My application was denied as we are not passed due therefore not at risk, the purpose in my applying was to avoid that situation and the potential increase in borrowing based on their reporting to the Credit Bureaus. To compound the stress with the situation Cornerstone continues to have their telemarketers call asking when I will make my payment even though a late fee is assessed for being outside the XXXX grace period. The mortgage is not past due until the XXXX of the month. I believe the language should be reviewed on loss mitigation for the consumer to understand you will not have any option until you are past due. In addition Cornerstone should not be advocating applying for a loss mitigation package and the ensuing documentation required if the consumer will not even be considered. To apply for the loss mitigation and continue to receive calls even though I am not past due is some form of harassment in my opinion.
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Hello My name is XXXX XXXX and my company 's name is XXXX XXXX XXXX registered in California. My business email was hacked and as result i was defrauded $ XXXX.The scammers pretended to be my vendors duped the emails and made me transfer funds in to fraudulent accounts. 

Iam a CHASE BANK customer and the fraudulent transfer was also to CHASE bank. 

The CHASE BANK HAS REFUSED TO HELP ME BECAUSE ACCORDING TO THEM THE TRANSFER IS POSTED AND THEY CAN NOT REVERSE OR REIMBURSE ME THE AMOUNT. 

Its a very large amount and i can not afford to loose so much money as a single mother of XXXX  young children. 

I have already filed police report with the local police station and they suggested to file it with FTC as well. Looking forward for your response. Really appreciate your help. 






Thanks XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (IA)

On or about XX/XX/2023 my holding company XXXX primary accounts accepted payment of XXXX dollars through PayPal services.for services rendered in the DETAILING of a R.V. PayPal without or prior notice decided to put a hold XXXX dollars of my money.after taking there For 30 days. Claiming I have maid more than XXXX in XXXX month. After spend most of the day trying to contact a real customer service person and dealing with there chat box AI. I decide to file this complaint. Paypal is not a policing agency and what they have done is the equivalent to myself cashing a check and the business take there fee then informs me they are keeping a portion of my money for 30 days for whatever reason they can think of. Do you understand the interest alone not including loans repayments if they do this to thousands of people.I need my money and they have no rights to do this XXXX illegal act. Usually I use XXXX  or XXXX  XXXX  just so happen this customer wanted to use PayPal.this company should be investigated by the FTC.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

We received a text from XXXX XXXX asking for a door installation service. We agree to make business, he send us a check from this XXXX XXXX and send more amount, as the difference was supposed to be delivered to the supplier. We send XXXX the supplier vis XXXX  and XXXX XXXX  but then the check was returned because it was found altered. We communicate to this person what happened and now he is trying with the supplier to return the money. I told him this is fraud and now he ask to not report as the other person will return funds. Furthermore, we receive another similar business request but without sending funds. This person paid with a check from a company, saying he works for the company. He also wants part of the funds for some carpinter that will be working in the house.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am submitting this complaint to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by them. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (MO)

XXXX XXXX XXXX attempt to purchase XXXX XXXX Became sick for over a year with XXXX. REQUESTED COURTESY REMOVAL OF ALLLATE PAYMENT ON VALID DEBT. 

HELP PLEASE ERGE CREDITOR TO COUSTEY REMOVE ALL LATE PAYMENT AS I HAVE HAD THESE ACOUNT OPEN AND PAID AS AGREED FORWELL OVER 6 YEARS AND ONLY LATE A FEW TIME DO IT COVID MEMORY LOSS ILLNESS JUST NEED A LITTLE HELP!!! PLEASE CREDIT SCORE DOWN XXXX POINT .... 

REMOVE FOLLOWING ALL LATE PAYMENTS 1. XXXX XXXX reporting to XXXX Experian XXXX Account # : XXXX Account Type : Revolving XXXX. XXXX Reporting to XXXX, Experian XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXXXXXX Reporting to XXXX XXXX Experian & XXXX Account XXXX : XXXX XXXX XXXX XXXX Reporting to XXXX, Experian XXXX XXXX Account XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX. XXXX Reporting to XXXX Experian XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Experian XXXX XXXX Account # : XXXX XXXX XXXX Experian XXXX XXXX Account XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

XXXX XXXX XXXXXXXX attempt to purchase XXXX XXXX Became sick for over a year with XXXX. REQUESTED COURTESY REMOVAL OF ALLLATE PAYMENT ON VALID DEBT. 

HELP PLEASE ERGE CREDITOR TO COUSTEY REMOVE ALL LATE PAYMENT AS I HAVE HAD THESE ACOUNT OPEN AND PAID AS AGREED FORWELL OVER 6 YEARS AND ONLY LATE A FEW TIME DO IT COVID MEMORY LOSS ILLNESS JUST NEED A LITTLE HELP!!! PLEASE CREDIT SCORE DOWN XXXX POINT .... 

REMOVE FOLLOWING ALL LATE PAYMENTS XXXX. XXXX XXXX reporting to XXXX XXXX Equifax Account # : XXXX Account Type : Revolving XXXX. XXXX Reporting to XXXX, XXXX XXXX Equifax Account # : XXXX XXXX. XXXX XXXX XXXX Reporting to XXXX XXXX XXXX & Equifax Account XXXX : XXXXXXXX XXXX XXXX XXXX Reporting to XXXX, XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX. XXXX Reporting to XXXX XXXX XXXX Equifax Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account XXXX XXXX