davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY (IL)

We decided to use Wells Fargo for our conventional home loan. Everything was going well and all of sudden it became very difficult to receive responses from the loan advisor. We ended up missing closing due to lack of communication. Throughout most of the process we were not asked for much, then all of a sudden during the final week we began to receive urgent calls and emails from the lender because we had certain tasks that needed to be completed. We ended up missing the closing of our new home at which point the loan advisor simply stopped responding to everyone including the attorneys, agents, and everyone involved. I was advised that we would still more than likely be able to close, but that certain requirements were needed. It seems as though I receive a task and then I don't hear back for a few days after I complete the task. I have sent multiple emails and calls that are usually answered sometimes days later and no real solution is brought up. The most recent call involved us paying off {$16000.00} in credit card debt which I had no issue doing, after that conversation, my emails and calls were all ignored. I am simply frustrated because we are complying with everything that is being asked of us and then soon after being ignored. If we do not qualify for the loan, that is fine but some communication would be nice. We are on the verge of being homeless because we have not been able to figure out or next step and our loan advisor does not seem to care. We went with a big bank because we thought they would be more professional and it turned out to be our biggest mistake.
Consumer complaint received 2023-11-16
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. (GA)

I found inaccurate information in my TRANSUNION credit report. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

I had several transactions for unauthorized purchases. The money used to make the purchases was moved from our savings account to checking and paid with by debit card. We have since then closed the checking account, replaced the cards and added a freeze to our credit report. 

We have submitted 4 disputes to the bank for the transactions in question. Three of those disputes were approved withing a day or two. The balance of our money however has now been denied twice. The three disputes approved where used with the same merchant, same card and same bank accounts. 

I have filed a report with the Police and also working with XXXX to verify that these charges were unauthorized. I am attaching all the documentation provided to both Truist as well as XXXX. 

Not having these funds replaced by Truist has put us in a financial strain. We have been trying to resolve this for almost 2 months to date. We need a resolution as soon as possible as we have bills that are late. 

I have attached all supporting documents provided to Truist.
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I had some fraud on my credit. Someone used my SSN to open a XXXX XXXXnstallment loan. I was able to obtain my credit report and saw XXXX inquiries that i DID NOT authorize. Inquiries on my credit are all fraudulent and I would like for them to be removed. I have reached out to the companys and they wasnt able to provide any information.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My chief complaint is the inaccurate reporting of XXXX XXXX XXXX XXXX  bankruptcy on my consumer credit report. The year that it is reporting is outdated ( XXXX ) the other bankruptcy is from XXXX ( I changed my mind about proceeding ). I have contacted XXXX XXXX and kindly ask them to surpress my information from their database because they have been identified as a data furnisher. Also have contacted XXXX XXXX to have my information removed, to no avail nothing has been deleted. I even produced a notarized document from the federal court in XXXX Ga that deals with bankruptcies and it clearly states that the court does not have jurisdiction over credit reporting agencies so why are they reporting bankruptcies?
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (PA)

I fell behind in my mortgage in my home where I live due to a servicer change in the spring of XXXX. My mortgage is from XXXX. I had paid faithfully to XXXX XXXX  for almost XXXX  years, but in XXXX, there were XXXX companies contacting me at once -- -Newrez and XXXX --, each of which stated they were servicing my loan, and I therefore did not know who to pay. I drove out to the locations listed for these companies in XXXX  and found the offices unoccupied, so I incorrectly assumed this was a scam. I was a career civil servant and had no problem paying my mortgage at that time. But then I had a XXXX in XXXX of XXXX, which caused me to be unable to work. 

The XXXX affected me physically -- -XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -and XXXX  and XXXX XXXX XXXX XXXX. I first tried to resolve my delinquent mortgage and submitted a loss mitigation application with my housing counselor in XXXX of XXXX. I was then informed In XXXX of XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that it would give me {$50000.00} toward reinstating my loan if my servicer ( now Shellpoint ) would allow me to do a loan modification for the remaining amount. Now that I have stable income through XXXX, there is no reason for Shellpoint not to take the {$50000.00} from XXXX and approve me for a loan modification. I actually have {$25000.00} that I can contribute myself, which means that Shellpoint would receive {$75000.00} all at once, and would only need to approve me for a modification for approximately $ XXXX ( the remaining reinstatement amount ). 

So I submitted another loss mitigation application last month to Shellpoint. Now I am hearing from the XXXX program that Shellpoint is telling XXXX  that I am not eligible for a loan modification. Shellpoint 's is apparently stating that it is denying me because, according to Shellpoint, I do not live in my home and instead a tenant lives there. That is absolutely preposterous and must be the result of a mistake made by Shellpoint. As stated, I had a XXXX and therefore have to spend most of my time at home. I have even foregone physical therapy in order to save money to be able to contribute to reinstating my mortgage. All I am asking is that Shellpoint be reasonable and evaluate me for a loan modification for the remainder of the reinstatement amount -- -- approximately $ XXXX.
Consumer complaint received 2024-09-23
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (AZ)

I am writing to express my strong objection to these continued and unlawful debt collection practices and violation of my rights. Despite never having a contractual agreement with this company, they have been attempting to collect a debt from me. I am submitting this complaint against them for the following violations : 1. Lack of Contractual Authority ( FDCPA 807 ) : Gurstel Law Firm P.C. was never contracted by me to collect any debt. 2. Failure to Validate Debt ( FDCPA 80XXXX ) : XXXX XXXX  AND Gurstel Law Firm P.C has failed to provide validation of the debt, including the original contract, who funded the account, and my obligation. 3. Harassment and Invasion of Privacy ( FDCPA 806 ) : Your collection efforts are harassing and constitute an invasion of my privacy. 4. Unfair and Deceptive Practices ( FDCPA 804 ) : XXXX XXXX  AND Gurstel Law Firm P.C have engaged in unfair and deceptive practices, including misrepresenting the debt and their authority to collect. 5. Negligent Reporting ( FCRA 623 ) : Capitol Once has negligently reported false information to credit bureaus, damaging my credit score. Additional Allegations : 1. Organized Crime : All " lending '' agencies, debt collectors, and credit reporting agencies have engaged in organized crime, including : Extortion, Fraud, Conspiracy, Racketeering ( RICO ).
Consumer complaint received 2024-09-23
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. (OH)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is a request for a reinvestigation to dispute the inaccurate reporting of the account referenced in the attached dispute letter. Upon reviewing my credit report, I found several discrepancies that violate the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and my rights under the Fair Debt Collection Practices Act ( FDCPA ). I demand the immediate deletion or correction of the erroneous information. Also without my written consent you are committing aggravated identity theft according to 15 U.S Code 1681 no permissible purpose.
Consumer complaint received 2023-04-10
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. (AL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-09-23
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. (AZ)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-23
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: 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.

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 2024-09-24
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. (WI)

Upon reviewing my consumers report i stumbled upon a few accounts listed that do not belong to me. I have never given these companies my information whatsoever. Here are the accounts below : XXXX XXXX XXXX Acct # XXXX Bal- {$42000.00} Opened : XX/XX/XXXX XXXX  XXXX XXXX- Acct # : XXXX Bal- {$24000.00} Opened : XX/XX/XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (PA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern, I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Consumer complaint received 2022-12-03
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. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Source Receivables Management LLC (OH)

Subject : Unlawful Credit Reporting and Demand for Action In Accordance with Ohio FCRA Identity Theft Fraud Laws Dear SOURCE RECEIVABLES MNG, I am reaching out to address a serious breach concerning the unauthorized dissemination of my personal information to credit reporting agencies, in direct violation of Ohio 's Fair Credit Reporting Act ( FCRA ) statutes pertaining to identity theft, as well as other pertinent laws.

It has come to my attention that SOURCE RECEIVABLES MNG has been reporting information to my credit file without procuring my explicit consent. According to Ohio FCRA identity theft fraud laws, particularly sections XXXX, this action constitutes a flagrant infringement on my rights. 

Moreover, Ohio FCRA mandates that consumer consent is imperative for any such reporting activities, as outlined in section XXXX. The failure to obtain my explicit permission prior to reporting is a clear transgression of state law. 

I assert unequivocally that I have not granted SOURCE RECEIVABLES MNG permission to disseminate any information to my credit report. This glaring lack of consent represents a direct violation of my rights and could potentially harm my creditworthiness.

Therefore, I demand that SOURCE RECEIVABLES MNG cease all further reporting of my information to credit agencies without my explicit consent, as mandated by Ohio FCRA identity theft fraud laws. Failure to comply within a 30-day period will be considered willful noncompliance and will be met with appropriate legal action, including penalties under Ohio state laws.

It is imperative to understand that obtaining consent is not optional but a legal requirement under Ohio FCRA identity theft fraud laws. This is not a negotiation ; it is a demand for adherence to both state and federal regulations, which safeguard consumers like myself from unauthorized and damaging credit reporting practices.

I expect immediate action on this matter from SOURCE RECEIVABLES MNG, demonstrating compliance with Ohio FCRA identity theft fraud laws and rectification of these unlawful actions.

This communication is made in good faith, with the expectation of prompt resolution.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My {$350.00} payment never reflected my credit card balance despite showing it posted the same day, after my intial payment was returned so I made this second payment. I called once I week to check on this for a month and was provided conflicting information. I then started a claim. This claim was incorrectly submitted so it was cancelled, per a manager I spoke with. Due to this I am being held liable for the {$350.00} that USAA stole from me and never credited to my credit card. They refused to tell me what information I can provide to have this rectified and refused to look into this further.