davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/23, I was contacted by the fraud department at TD Bank who suspected alteration ( name whited out and replaced ) of a payee on a {$11000.00} check deposited there drawn on my account at Wells Fargo. I confirmed a different intended payee and fraud was confirmed. I immediately contact my bank to alert them to the fraud, closed the account and transferred funds to a new account I completed and sent the notarized affidavit at the Wells Fargo branch. Despite that there are no contested facts in this case, I am being told by Wells Fargo that return of my funds may take 4 months subject to an investigation and even then are not assured unless they recover funds from XXXX. As I have satisfied my requirement for immediate notification, I am seeking immediate return of funds to enable me to compete payment to the original payee. I have repeatedly requested same form multiple individuals at Wells Fargo to no avail.
Consumer complaint received 2023-08-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear CFPB I have attempted numerous times to contact the 3 credit bureaus about incorrect, inaccurate and compromised information reporting on my credit profile. On XX/XX/2023 I spoke with an XXXX Representative that was extremely rude and unprofessional. Her name given was XXXX and she stated she was located in XXXX XXXX. I asked how is this possible when I'm located in the US. XXXX did not process my request. I was suppose to be contacted back within 24 hours by a representative in the US and no one called me back. Inquiries show on my report that were not authorized by me. 2 collections appear on the credit report that are not mine. I'm sick and tired of these companies ignoring my request to delete this information as they have no lawful authority to report it first of all and have failed to provide evidence to support otherwise. I have filed an FTC report which is attached. 

TransUnion is denying me my right to dispute the inaccurate information on my report. I have included the message that I receive when trying to contact them direct. It appears as the credit bureaus are conspiring to hinder consumers from improving their credit standing by denying access to file disputes.
Consumer complaint received 2023-08-16
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. (VA)

I have filed numerous disputes with Transunion regarding 2 bankruptcies that are being reported fraudulently I have filed FTC reports for Identity theft, I have reached out to XXXX XXXX & XXXX. XXXX XXXX has removed the information.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Bright Capital Inc (RI)

Since signing up with XXXX XXXX, on XX/XX/2023 there have been XXXX individual withdraws from my checking account. 

In XX/XX/2023, I lost access to the app. This prevented me from accessing my funds, accessing my account, and controlling my withdrawals with XXXX XXXX. Despite losing access to the app, money continued to be withdrawn. 

On XX/XX/2023, I email support at Bright Money with the following email : " Hello, I am unable to access the Bright Money App on my phone. Every time I open it it prompts a white screen then closes the app immediately. I've tried updating the app, and still no luck. Money is continuously being deducted from my accounts and I'm concerned about my inability to access any information. 

Please advise! 

Thank you, XXXX '' I sent an attached video exemplifying the issue and was told " We have raised this issue to the concerned team and will get back with an update on this in the next XXXX hours. '' After not hearing a response during that time frame, I followed up on XX/XX/2023, asking for an update. XXXX XXXX 's response : " Please be informed, our team is still working on your query and we will get back to you with an update as soon as possible. ". 

I sent another follow-up email on XX/XX/2023 reading : " Hello, Its been over a week since Ive submitted my issue. XXXX XXXX continues to withdraw from my account and I have no access to them. 

Please stop all withdrawals until someone is able to support me with app access. 

Thank you. 
XXXX '' ... and received no response. Again, I emailed on XX/XX/2023, and again, no response. 

During this time, money continues to be withdrawn from my checking account and I continue to have no access to the XXXX XXXX app.
Consumer complaint received 2018-08-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST (MO)

In XX/XX/XXXX, my Fiancee applied for a mortgage to buy a house. He was NEVER asked if he was a veteran ( he is ). He was given a pre-approval letter for an FHA loan. He made an offer on a FOR SALE BY OWNER house. He gave the seller {$5000.00} cash and got a receipt. The loan officer then informed us that XXXX needed to have XXXX in his account. I gave him cash, so then we had to wait for 3 months so the deposit was off his statements. That was XX/XX/XXXX. Then we submitted all the requested forms and jumped through all hoops. Then the appraisal came in. There were many things that needed to be fixed, pipes had burst, new wiring, new panel, new furnace, new water heater. I spent XXXX fixing it up. It also took about 2 months to have everything done. That was XXXX, we were supposed to close XX/XX/XXXX. Then the loan officer kept telling us different amounts for the closing costs, first it was XXXX, then it was XXXX then it was XXXX. I then spoke to her boss, within five minutes he asked if fiancee was a Veteran. I said yes, so after seven months we changed to a VA loan, jumped through hoops had to have ANOTHER appraisal, fixed a couple of things, then passed appraisal. He stated closing costs would not be more than XXXX. Then loan officer tells me one day the closing costs will be XXXX, then the next day she stated we need XXXX. Loan officer aid after it passes the appraisal we can close. She got the appraisal results. Now after 6 weeks of waiting she tells me yesterday XXXX needs his XXXX. She should have told us that 6 weeks ago. Then I ask about a closing date. She won't give me one. We are VERY FRUSTRATED with this bank ( BANK of the WEST ). I asked for a new loan officer, she said her boss will call me SOMETIME today.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

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.

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 2023-08-16
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: Experian Information Solutions Inc. (TX)

I don't know why these inquiries are on my credit report. Experian refused to remove them and told me to contact the companies that made them. There is no information to contact these companies ( no phone number or address to dispute inquiries ) and Experian doesn't even give the full name of the company. So how am I supposed to contact all of these companies? 

Here is a list of all the inquiries that are incorrect : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX Important dates XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX 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
Consumer complaint received 2023-08-16
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)

I have previously submitted a complaint about XXXX inaccurately reporting late/on time payments on my consumer credit report, I received a response this month that XXXX has updated & verified the information which is FALSE & still inaccurate. There is discrepancies with all three credit reporting agencies on the payment history section of the reporting and that shouldve had been updated 60 days ago. I have highlighted the account mentioned including ALL of the inaccurate/false discrepancies on my credit report and I demand that XXXX be removed from my credit report immediately due to the fact that inaccurate information can hurt my chances of being approved for credit right now or in the future and thats a violation of my right to FAIRNESS, 100 % ACCURATE REPORTING and privacy. 

Account : XXXX # XXXX - XXXX XXXX 30 days late - XXXX XXXX 60 days late - XX/XX/XXXX No payment information - XXXX XXXX 30 days late - XX/XX/XXXX XX/XX/XXXX days late - XXXX XXXX 90 days late & missing payment information According to 15 USC 1666b - Timing of payments ( 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. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello I have recently spoken with someone at TransUnion through customer service about my multiple inquires I did not authorize on my credit report. Everyone that I had spoken with were very rude about it and would not help me with my problems. I have some inquires I know I did not authorize and I get no help at all. One representive had me on the phone over an hour to go all the way through the process to tell me oh he can not help me and hung up the phone. Here are some inquires I did not authorize on my credit report XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX
Consumer complaint received 2024-08-15
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. (TX)

I'm deeply upset to find unauthorized inquiries on my credit report this evening, with no clear reason why they're there. When I checked my report as usual, I noticed these unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries remained. I'm really frustrated by this and urgently request that the documents I've submitted be thoroughly reviewed to prevent this from happening again.
Consumer complaint received 2023-08-15
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. (KY)

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 Account Name XXXXXXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Have violated my rights. 

XXXX5 U.S.C. 1681 Section 602A states I have the right to privacy 15 U.S.C. 1681 Section604A states a consumer reporting agency can not furnish a report without my written permission.

15 U.S.C. 1681C 15 U.S.C 1681S-2 ( A ) ( 1 ) a person may not furnish any information related to any agency consumer if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete These Accounts Immediately
Consumer complaint received 2023-08-16
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. (FL)

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On my credit report the wrong address is listed. On my credit report the following addresses are listed and these addresses are incorrect and I want these addresses removed from my credit report. I want the following addresses removed from my credit report immediately. These addresses are : XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Florida XXXX XXXX ) XXXX XXXX XXXX, XXXX Florida XXXX My correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX. 

I have attached a copy of a utility as proof of my address. My telephone number listed on my credit report is also incorrect. My telephone number is XXXX
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (NY)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Portage Financial Services Company Inc. (OH)

We got a XXXX XXXX XXXX from this car company in. From the very beginning we had problems with the car from the wheels coming off while driving with my family in the car to the engine and transmission going bad all within a year. After all this finally voluntarily returning the car back in XXXX XXXX. Fast forward to XXXX and my checks are being garnished and I 'm confused cause I never got the chance to explain my side to the judge in court. I believe I should have had to pay the remaining balance after all the issues with car. We were never offered another car or anything after so many deadly issues were reported and happened with the car. After setting up a payment pLan and stopping the garnishment in XXXX my wife lost her job and I became responsible for a XXXX kids, rent, car, insurance, food, and other household bills. I tried to get the payments lowered until we got back to a stable financial situation. I feel like this company knew the were selling faulty cars because after we started having problems the dealership we went to just up and closed no heads up or anything. After I explained everything to the rep about our financial hardships they declined to work with us and lower the payments so we could get back on track. We understand that we missed some paymentsort but after explain our hardships and even breaking down out bills they still were n't willing to work with us. I 've been trying to contact this lawyer of theirs since XXXX and she never answers her phone or respond to voice mails. In XXXX after calling and calling and calling and telling them I was filing a complaint because the were n't returning or answering our calls to try and resolve the situation we were finally contacted by a XXXX XXXX Who works for the finance company. When this second garnishment was started up and we went to the court house so try and fight the case we were told we do n't have to go through XXXX XXXX to set up payment we needed to their lawyer who still does not have a office or even a working answering machine for you to leave a message. As a result of all this my wife is starting to suffer from XXXX from fear of us losing our home and car. As a result of the garnishment as explained in an email we our now suffering more hardships as we are behind on out rent and because of not so good credit I have a car payment of {$610.00}, rent is {$890.00}, we have XXXX kids, insurance, food, and utilities.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (NC)

I sent a letter to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
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