davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
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. (NJ)

To Whom it may concern.

I am writing this complaint in lieu of information on my credit report ( Late Payments ) that I have not authorized whatsoever. I have been violated and I am requesting and demanding that these matters be taken care of immediately, Deleted. As the law states. 15 U.S.C. 1681a, Sec 2 Exclusions 1 states, ) They are not allowed to share any information with third-party entities and they have indeed done so.

Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. You are not allowed by Law to report late Payments to anyone without my Permission.

( A ) subject to section 624, any 1 ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And the fact that these companies have shared my personal information with third-party entities is a violation of my rights and it is against the law. I am demanding that the late payments be deleted from my credit report from the following violators. I will continue to press this matter until it is completely resolved, and I am asking that a full investigation be done. They have shared information in regard to my personal accounts with third-party entities without my consent or permission. 

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  I am requesting that these late payments be deleted from my account as they are a violation of my constitutional rights. And further a violation of 603 - 15 U.S.C. 1681a.
Consumer complaint received 2017-04-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IN)

I am the personal representative of my aunt. I was trying to continue to pay the mortgage on my aunt house during the probate process . Wells Fargo c ontinues to make withdraws on a closed  XXXX  account. I have tried to stop the automatic withdraw on  the Wells Fargo  mortgage from the  XXXX  bank account, but I have talked to at lea st   XXXX    diff erent people, and the process to get the automatic withdraw terminated is taking over  a   XXXX   XXXX   XXXX   XXXX  .     The details follow.   The first part of  XXXX , I contacted  Wells Fargo a bout haveing them stop automatic withdraw on my Aunt mortgage since s he died   XXXX   XXXX  this year and her account at  XXXX  had been closed. I was told by  XXXX ?? that I needed to send a copy of a  death certificate , and then go to  XXXX  Indiana personal ly ( this  is over  an hour and a half fro m  XXXX  ) to have my identity certified. I faxed t he death certificate  at  XXXX     that  XXXX .    On  XXXX   XXXX , I received a letter from  XXXX   XXXX  addressed to the Personal Representative of ( MY AUNT ). Then the letter as ks if ( My Nam e Spelled out ) have the PR permission to talk to in essence, myself!     Then received a letter from  XXXX   XXXX  on  XXXX   XXXX  which asked me to send my letters of testamentary.   I received a call from  XXXX   XXXX  and I returned her call but she was not available so I talked to  XXXX   XXXX . He was nice and helpful and confirmed that they had received t he Death Certificate.  He let me know that then we only needed to send the letters of testamentary and that someone would ca ll in  XXXX  h ours. I faxed the letters of testamentary on  XXXX   XXXX . I called  Wells Fargo  on  XXXX   XXXX  and left a message with  XXXX   XXXX . She said in her message that she would call back in    XXXX   hours.  It is Thursday,  XXXX   XXXX . She has not called.   Since  XXXX  was not available, I tried to talk to someone else. He said that they did not receive my letters of testamentary yet and that it takes a week to attach the letters. That was over  a week    ago and that he still could talk to me. This phone call laste d  XXXX  minute s.   I called  XXXX   XXXX  today. She said that she had my paperwork but still could not talk to me because of some excuse.   Mean while, Wells Fargo continues to withdraw money from a closed bank account and is not able to talk to  me.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (AZ)

Mortgage loan closed on  XX/XX/XX  and lender noted lender 's credit on closing docs.   On  XX/XX/XX  recd  XXXX  from lender noting other income. In query to lender advised first narrative that this was a homeowner grant - disputed ; then after appro x 2 pl us weeks was advised this was a origination assistance and  XXXX  was amended and reduced the amount from {$1500.00} to {$950.00} still disputed as none of these narratives appear on the closing docs and third narrative was this was as GIFT? With filing my taxes and adding the {$950.00} to my adjusted income I 'm at a loss of refund from Federal/State of approx {$300.00}.   Have requested numerous times a letter from lender explaining the situation and yet to receive. This has been disputed continually almost daily with the lender and have all history of phone calls and lender staff from the mortgage banker who initially processed the loan application to several Escalation Managers etc. without a satisfactory explanation.   Mortgage banker aware of the credit yet never aware that it would result in other income!      XXXX   XXXX   o n loan application, underwriter 's docs and closing docs show the amount of {$1600.00}.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (AL)

This collection is for an early termination fee for cell phone service from  XXXX   XXXX . First of all I have successfully disputed this debt several times and it was removed from my credit report. Then the  Debt collector sold the Debt to another Debt c ollection agency and it appears back on my credit report. The dates of the erroneous debt was falsified prior to being sold to the next Collection agency to make it appear as a recent and valid dated outstanding debt. This is actually a very old account and that in itself should warrant its removal. As to the original early termination fee charged by  XXXX   XXXX .  1  ) I was a long standing customer of  XXXX   XXXX  and was never late with a Paymen t 2 ) S ince had the service for a very long time I was no longer under contract with  XXXX   XXXX  therefore an early termination fee would not app ly. 3 ) I  contacted  XXXX   XXXX  in writing 30 days prior to terminating the service. I do not owe this money and I will never pay this invalid bill because I do not owe it. But it has taken up a huge amount of my time responding to the false charge. Please assist me in its removal. This negatively impact me in several ways. If this charge had appeared when I recently refinanced my house it would have resulted in a higher interest rate which would have affected me financially for years. This is a predatory collection. I understand its their business. But I have to work for my money and Im not giving it away for free. That would equate to letting them steal from me. That 's not happening. Thanks for your help.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$0.00} This account has is under legal dispute and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ACC BAL : $ XXXXThis account is under dispute, there is no judgment on file. Please delete error. 
3. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX XXXX XXXX XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have included and attached a copy of the police report, the judgement stating the accounts are not mine and I hold no liabilty, and my drivers license. 

Confirmation # XXXX Accounts XXXX XXXX Bank Account Number : XXXX Balance : {$3600.00} XXXX Account Number : XXXX Balance : {$4600.00} XXXX Account Number : XXXX Balance : {$9100.00} Inquires XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

My loan servicer is Mohela. I submitted a general forbearance request along with the required pay stubs on XX/XX/XXXX. 2 days later I checked the website and it confirmed it was received. Then 2 days more I hadn't had any contact from them, ( the first time I had a forbearance request approved they were very fast about it ). I then checked the website to see if I had any messages, there were none, but my general forbearance request dated XX/XX/XXXX was NOT ON THE WEBSITE anymore. 
Then I tried calling ( if not everyday, every other day ), phones are busy all day all the time. I tried going to the contact us page on the website and the link is disabled, you can not send any message to them. 
I have no way of contacting them. As of XXXX I am considered in late payment with another due XXXX. I am down to one job so its a tough time for this to happen now. 

How do I reach them? 

Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent all required documents to the bureaus as attached. which are my driver license, social security card, current bill police report and also letters to each bureau with fraudulent account noted. and none of the accounts where remove
Consumer complaint received 2017-04-16
Product: Credit card — 
Issue: Credit determination — 
Company: Bread Financial Holdings, Inc. (DC)

Comenity Bank refused my application for a XXXX XXXX XXXX XXXX Mastercard account. I requested my credit report to see why. Comenity claims they declined my request because of " Delinquent past/present credit obligation and limited credit experience. '' But the XXXX report they used to make this determination shows that I : a ) Have paid 112 % and 121 % of the monthly payment amount on XXXX of XXXX student loan accounts for the past 74 and 55 months respectively, and paid the remaining account off in full 8 years ahead of schedule, b ) Have never been delinquent on 22 of 22 auto payments to date, and c ) Have never been delinquent or carried a balance on XXXX of XXXX credit cards for 99 of 99 months, 53 of 53 months, 52 of 52 months, and 39 of 39 months respectively. 

Comenity also said they declined my request because of the " number of recent inquiries, '' but XXXX shows only XXXX pulls in the past 3 years ; XXXX for the credit application referenced in this complaint, and the remaining XXXX initiated by lenders -- not me. 

Finally, Comenity said they declined my request because they were " unable to verify credit [ my ] history, '' but XXXX reflects loans and revolving credit dating back years, all of it paid on time or indeed, early. The XXXX report also shows XXXX loans from " XXXX XXXX '' that were delinquent ; however, I do not recognize them, do not believe they are mine, and have been trying without success to get XXXX to remove them for years. ) I wish to understand why Comenity made claims about my credit history that are not backed up by the XXXX report they used, which shows my history of making payments ahead of schedule for my student loans or paying them off entirely years in advance, and my never having made been delinquent or carrying a balance on any of my credit cards. I feel Comenity first made its decision to decline my application and then attempted to justify it assuming that I would not verify their claims against the credit report they referenced.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CO)

After being on phone with Experian, verifying an account they said ( I do not have ) but do!! Membership ID # XXXX and my account opens a window with my name but they said you have account but NO INFO!!? Insane!! at XXXX years old and an XXXX holder for 20 years with Platinum status, with XXXX other major credit cards, Experian says I have NO REPORT!! Then says there 's a freeze on account I 'm not aware of!!?? This insane Company holds me hostage! with False reports and saying I have No account but that its FROZEN!?? I want legal damages and criminal report filed against EXPERIAN! for Hostage on Financial info it says it does n't have and I can not move forward in my Mortgage process. CORRUPTION!!!
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (GA)

This debt is no mine. I have told them over the phone several times this debt is not mine. I have asked the company to show me validation of debt. They have shown me none accept my name dob and social are incorrect.
Consumer complaint received 2017-04-18
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (FL)

After paying  XXXX  for coverage on  XXXX   XXXX ,   XXXX  , I decided to go with a less expensive auto insurance when it was time for me to renew. I was n't notified of any policy changes and was n't sent anything. I recently checked my credit report and found that I was sent to collections without knowledge of any monies owed.
Consumer complaint received 2024-09-04
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 with XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in 60 days to be removed. 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. XXXX XXXX & XXXX XXXX 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! Delete the late payments from my consumer reports 8
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

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. 

Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2017-04-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MA)

We have had this pick-a-payment ( sub prime loan ) since   XXXX   .For the past 10 years we have been trying to get out of this loan. We have tried on numerous occasions to refinance as well as motifications we have never had any success as wells fargo always has another escuse why they can not do anything for us. Motification they say i make to much money I have a family of  XXXX   XXXX  in collage  XXXX  still in high school i might make good money but with this mortgage i dont have even enough money to pay a mortgage of  XXXX  a month at 6.95 % We are not a   XXXX   XXXX   XXXX   XXXX   loan .... we are however a hard working family that is trying to save our house from forclousure / shortsale .We are looking for a lower rate mortgage so we could afford to stay after close to 15 years and  XXXX  already paid in interest to this pick a plan loan Thank you in advance and hope we can get some sort of help The  XXXX
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I settled a debt with a collection company for Synchrony Bank. I contacted Synchrony to get the status of the title for the boat only to be told they do not handle accounts for XXXX XXXX any longer. The customer service person said they could not locate any account under my social security number or name. The collection company that completed the settlement indicated that they did forward the funds to Synchrony. I have two problems, first how can Synchrony report something on my credit file if they can not even locate the account and secondly I need to know where the title to the boat is since the account has not be settled. I only have a partial account number of XXXX