davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Reporting of Inaccurate Information by TransUnion Dear CFPB, I am writing to formally report an issue regarding TransUnion, which continues to report inaccurate information related to my XXXX account. This account was paid off in full on XX/XX/year>. Despite this, TransUnion is still reflecting this account as {$190.00} which is inaccurate reporting of this accounts status.

I am attaching documents that confirm the account has been paid off in full. Additionally, I wish to bring to your attention that TransUnion has been accessing my credit report without my written consent, which is a violation of the Fair Credit Reporting Act.

This situation is unacceptable and clearly violates my rights under the Fair Credit Reporting Act. I would appreciate your assistance in addressing this matter and ensuring that TransUnion corrects their reporting.

Thank you for your attention to this important issue. I look forward to your prompt response CFPB ACCOUNT IS PAID OFF Sincerely
Consumer complaint received 2024-09-15
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Inaccuracies on My Credit Report Good Evening, I hope this message finds you well. I am writing to bring to your attention some inaccuracies I have noticed on my credit report provided by TransUnion. 

Specifically, there are inaccuracies related to my employment information that I would like to have corrected. I kindly request that you remove these job inaccuracies from my report as they do not reflect my current employment status. 

I will be uploading supporting documentation to assist in verifying my claims and to facilitate the correction process. 

Thank you for your prompt attention to this matter. I look forward to your response and the necessary updates to my credit report. 

Sincerely,
Consumer complaint received 2024-09-14
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. (TX)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX DATE OPENED XX/XX/XXXX XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$220.00} XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$30000.00} XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX  XXXX XXXX DATE OPENED XXXX BALANCE {$720.00} XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$670.00} XXXX  # XXXX XXXX OPENED XX/XX/XXXX - BALANCE {$3000.00} XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$500.00} XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1100.00} XXXX  XXXX # XXXX DATE OPENED XXXX BALANCE {$500.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-14
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX : Ref : XXXX XXXX inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (SC)

MY account had been sold/transferred several times, without any notification, until a collection call would be placed. I would start making payments and then it would get sold again, but the payments i made were never applied because i was sending the money to the wrong company, and when i called the company I thought I was supposed to be paying it to, they magically have no record of receiving payments. I have been lied to repeatedly by Great Lakes, they have theatened to garnish my wages, take my tax returns, and other legal actions. i finally get into a plan i can afford, only to find out it doesnt even pay off my loan like they said it would, it just keeps paying them and never reducing the amount i owe, to the tune of {$13000.00} over the last 4 years. When I call, i get put on hold, or told they dont know whats happening, and they push me into another type of payment plan or forbearance. When i ask to speak to a manager, they never answer, or give me the run around. I cant get out of debt, and Im drowning in it.
Consumer complaint received 2024-09-14
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$180.00} Account Name : XXXX # XXXX OPENED XX/XX/XXXX - BALANCE {$710.00} Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$520.00} Account Name : XXXX XXXX  # XXXX OPENED XX/XX/XXXX - BALANCE {$980.00} Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1600.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

1.Aggravated identity thief 18 USC 28a 2.Security fraud 18 USC 1348 3. Extortion 10 US code 927.127 Company is in violation tried to get Company to resolve conflict. I want a thousand dollars per violation and removed inaccurate reporting from credit.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

This is my spouse, XXXX XXXX XXXX XXXX account through Wells Fargo Bank N.A. 
Routing No. XXXX. 
This is an account that our tax return was deposited into and I dont even have access to this account. 
On XXXX XXXX, my husband allowed me to but sneakers from this account and I noticed an unusually large balance of {$14000.00}. During this time, he didnt even have a job so I find it odd to have this much money in the bank when he was living with me, at my dads house, and he was paying {$0.00} in bills because he said he was broke. 
1- when was the account opened 2- was there ever a large wire transfer wired into this account in XXXX. 
3- again, whatever he received from the sale of XXXX XXXX- I would be entitled to the same 4- how does he have such a large balance? Like where did that come from? He wasnt even working. 
Thank you
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

On Wednesday XX/XX/XXXX, I used the Discover pre-approval tool to find out which card I might be qualified for. I matched with the Discover IT card, and I submitted my application. I waited a while for the page to load after submitting my application, and a message displayed saying that I had to submit more information to verify my address. I was able to do so on the website. They gave me options of valid documents I could use to verify my address. I decided to use my Georgia drivers license. I chose that option, and took the pictures and attached them to the application. Another page loaded saying that I had done all I needed to do for the application at the time. 

On Friday XX/XX/XXXX, I received an email notifying me that I had until XX/XX/XXXX to provide more information for my application. I gave them a call, and explained all that had happened. They said there was an issue on their end with the application and that I needed to call back in 24-48 hours. I waited 48 hours to call. When I spoke with them again on Sunday, XX/XX/XXXX, they said again that I needed to call back in 48-72 hours this time. I waited 72 hours to call. 

When I spoke with them the third time on XX/XX/XXXX, they said that my application had been denied because they were unable to verify a physical street address. I was shocked because I was informed via email that I had until XX/XX/XXXX and when I had called the two times before to assist in completing my application they did not tell me the reason my application has not been completed was because I needed to provide more information. Instead they insisted that they had to fix some things on their end, and that I needed to give them time to fix the issue. I talked to as many people as they would let me, but everyone kept saying the same things : " Unfortunately, your application has been denied because we could not verify a physical street address '', with an exception of sometimes saying " When we attempted to find the address, it looks like it is a construction site '', " We can not reconsider your application '', " You can reapply if you like, and it is possible but not guaranteed that the same credit report will be used for the second application so that there are not two hard inquiries on your credit report '', and many different wordings of the same message ; we are not going to reconsider your application and there is nothing we can do. 

As you can see from the attached documents, I did receive a letter in the mail stating my denial, which is odd I must add, considering the reason for my denial was the inability to verify my residential address.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (DC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY ()

Wells Fargo did not permit me to do a wire transfer ftom abroad through the app or on their website. I called 15 times over 2 weeks and got nothing but promises and excuses. I had to fly to US in order to access my funds.
Consumer complaint received 2018-01-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (FL)

Looking at my credit report on XXXX XXXX I saw an account in collections and I never gave any company the right to share my information whatsoever. I see one for {$230.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this company and they have never sent me anything stating that I owe them. The last company I reported about this same account must have sold my information to this company. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).
Consumer complaint received 2024-08-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (CA)

Finance company calls me like 5-7 times daily sunday-saturday from differenrt numbers. I called to surrender car and was asked to pay balance. Advised if i had the money to pay then i wouldnt be surrending the car but they said they would keep calling to collect.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Im the course of a few months I have been attempting to unfreeze my credit with Transunion. Their website is not working properly and when I call, its keeps telling me I can not be processed at this time. I am trying to buy a home and this is a huge hindrance. This system controls my personal information and its unsat that I can not access it. This is an ongoing issue for many as I have read several reviews on websites like XXXX. I hope this company is held accountable. I still can not access my information to date.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX my Citibank Advantage Platinum Plus card was auto renewed with a membership fee of {$99.00}. I no longer wanted the card due to the fee and called late XXXX to cancel card. Citi continued to bill me and a new statement was issued for XXXX XXXX billing date with amount due of {$99.00} plus a late fee of {$29.00} and interest charge of $ XXXX for a total of {$130.00}. I called agin XX/XX/XXXX and spent over 90 minutes trying to resolve the fees but was told they could not be removed. The agent closed the account with the fees still owed which have put my account into collections. 

I have continued to try to resolve this issue and after many, many calls and many different agents, fees still exist on this account. I have been transferred many times, disconnected and dropped from multiple calls to Cit Advantage customer service. I see this as a bait and switch method for Citi to try to collect fees on an account that I have, in good faith, tried to cancel. I have excellent credit history and fear this could impact my score of over XXXX to date! 

Any help in resolving this issue is greatly appreciated
Consumer complaint received 2024-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (CA)

After being notified of default I submitted a loss mitigation package which was denied for reasons that I was never asked? I submitted the same package but was denied for XXXX additional reasons that were already answered in my submission? Next my package was denied because I was put on a disaster forbearance and told to submit again after forbearance? Next I learned they didnt cancel sale date and now didnt honor the presidential declared disaster on FEMA of which I received assistance from FEMA for the disaster & provided them with proof & documentation. Then after they disputed the nationwide known disaster paused the sale saying they would look into the disaster, that never happened, I was never given a single point contact, never given a new sale date, they never listed or published a new foreclosure date or time or location and never informed me of any of this and also I dont believe filed to be awarded a new foreclosure by the courts but piggybacked off of XXXX XX/XX/XXXXyears earlier which would have been voided because I paid my mortgage currentXX/XX/XXXX months prior to receiving the default notice. 
M & T Bank is guilty of an illegal foreclosure, dual processing, violating my homeowner rights, violating foreclosure laws including new XX/XX/XXXXXXXX & they illegally sold my home of which I owed {$230000.00} on a home with sale value of {$620000.00} without ever notifying me it had been continued because I am a FHA homeowner and by law received a disaster forbearance that superseded them, while not listing the sale, selling to a man under federal indictment for real estate fraud and money laundering expanding over multiple states and causing me to learn about it XX/XX/XXXX months as I was gettingXX/XX/XXXX evicted from my home and put on XXXX XXXX homeless in the middle of winter along with my XXXX tenant and never aloud to enter the home again by new owner who disposed of all my belongings which valued well over {$100000.00} in property, causing me to lose my in home XXXX assistance employee and funding, XXXX of XXXX service dogs and still XX/XX/XXXXmonths later trying to recover from living on XXXX XXXX homeless after my vehicle was stolen and no entity would help me with enforcing the violated laws
Consumer complaint received 2024-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MT)

My student loan was forgiven this year due to Borrower Defense student loan discharge. My balances kept changing. I never received any notification as to why balances were changing. I did download my student aide information multiple times. On XXXX XXXX my MOHELA loans were discharged in complete for the IDR plan and making payment for 25 years. It took months to get the {$700.00} I had paid after the discharge back. I had to write MOHELA to figure out what exactly discharged my loans and they eventually sent me a letter. On XX/XX/XXXX I recieved a random direct deposit doe {$3900.00} from XXXX XXXX  XXXX XXXX pay. I did not receive a letter from student aid. Gov nor did I receive a notification from MOHELA. I XXXX the payer and saw threads about this being from student loan overpayments. 

I was curious as to why I was getting a refund since my loans have had a {$0.00} balance since May. 

I logged on to MOHELA to discover that I now have {$26000.00} total in student loans back on my MOHELA account. Over {$9400.00} is from interest. This is also showing in the sudentaod.gov website. Locations that showed my loans discharged are now gone. They have sent no communication to me by main or email. 

It shows my loans in forbearance until XX/XX/XXXX. When I click the make a payment button it says that due to the status of my account I need to call for account I queries or document requests. 


Other times when I have called Ive been on hold for a while. They are far from helpful. They are slow. 

They are now charging me interest since who knows when without ever notifying me. 


I would like them to be held accountable for the way they are handling student loans. I applied for borrowers defense in XXXX. Ive been strung along like the rest of my class who was a victim of financial aide fraud. I have all my documents from XXXX in XXXX. I have downloaded my stuednet aid data 4 times and every time it changes. It doesnt show what they have taken back and when. It just disappears like it never happens. I have screen shots of ever changing totals.