davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (TX)

this is my second time filling a complaint with BSI financial Services this all stared with my mortgage payment decreasing during covid. I called and asked about the issues and was reassured that there was no issues. at the end of XXXX my mortgage payment balloons to over XXXX from the previous XXXX the issue ends up coming up to being a tax issue I guess the forgot to apply all the taxes and just threw it on top of my current payments. cool no problem I end up paying over XXXX USD to fix the tax mistake they told me it was paid in full and my payments should go back down to XXXX not only was it a lie I'm still paying XXXX monthly with no real resolution I feel like they are just doing predatory things like marking my credit as 60 plus days delinquent for non payment. I asked for my credit report to fixed but they still left my credit in shambles. for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX still show a negative note or past due 90 days despite all the payments being paid in full. I'm asking for help because I this point I don't know how to make them fix the issue. this has caused my credit score to over 74 points just want my credit to reflect the real loan terms not over inflated payments
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
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. (TX)

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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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, states a consumer reporting agency can not furnish an account without my written furnish an 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 and crimes which antedates the report by 7 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
Consumer complaint received 2024-09-18
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

Continually called number not authorized to call repeatedly from XX/XX/year> until XX/XX/year> after I repeatedly told them not to contact the number.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX was a victim of a wellsfargo spam. On XX/XX/XXXX I received a call from wellsfargo number thats on the back of my debit card that guy said his name was XXXX he works with wellsfargo. He said do you authorize for me to check I said ok but Im hanging up and calling wellsfargo when I called wellsfargo the ( XXXX ). When I called back same person answered.I COULD SEE ON MY PHONE A CURSER MOVING ON MY PHONE doing something I said wait why are you moving my money they said we have to open you a new account were sending the money there.THEN ANOTHER PERSON SAID I WORK WITH THE FBI TAKE WHATS LEFT THATS THE CASH OF {$8.00} XXXX. HE THEN SAID DID YOU USE THA SAME TELLER XXXX I SAID WHAT I DIDNY KNOW WHO THAT WAS. FBI well fake fbi put a debit card in my wallet he said this is your card Im with XXXX  so I have to transfer this to you. I right now am very sick people probably thought I havent been using my account maybe I want know. They even messed up and hacked y phone and I cant just get up and go. I wonder if he saw me in the bank I am XXXX  I have a XXXX XXXX  in XXXX locations have had XXXXXXXX XXXX XXXX this year. Im out of work right now cause of my health I HAVE XXXX SO ALL THIS STRESS IS TRIGGERING EPISODES. IM ON MORE THAN XXXX XXXX. PLEASE HELP I ALREADY MADE A REPORT TO THE FBI XXXX. I WASS THREATNED BY THE PERSON WHO SAID HE WAS FBI HE SAID YOU DONT FOLLOW ORDDERS AND MESS THIS OPERATION UP YOUR GOING TO PRISION. 
They even gave me a case number # XXXX Total amount taken XXXX Checking:XXXX Savings : XXXX SUSPECTS NAME is XXXX XXXX His XXXX account I printed a recite but it doesnt say how much but Im. Going to give what I have which is last 4 of card and account CARD # ending in XXXX Account last XXXX # XXXX Thanks XXXXXXXX XXXX XXXXXXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX, tx XXXX
Consumer complaint received 2024-10-10
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CEPB ) the document needed 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 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 am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company XXXX XXXXXXXX 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-10-08
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. (MA)

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of COLLECTION WFBNA CARD - 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-10-10
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. (MD)

I am writing to bring to your attention unresolved errors on my credit reports maintained by XXXX, TransUnion, and XXXX. Despite my efforts to correct and update this information last year, the inaccuracies remain uncorrected. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I submitted disputes and corrections to XXXX, TransUnion, and XXXX regarding inaccuracies of Incorrect Individual living man name, old addresses, incorrect information charge off bad debt and vehicle was voluntary return to Dealer and Remove inquiries. As of today, these errors continue to appear on my credit reports, harming my credit score and financial well-being. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a responsibility to investigate and correct inaccuracies within a reasonable period, typically 30 days. It has been over a year since I initiated the dispute process, and I have yet to see the necessary corrections. 

However, given the significant lapse of time since my initial dispute, I urge the FTC to investigate this matter and compel XXXX, TransUnion, and XXXX to take immediate action to correct my credit reports. 

I request that the CFPB take the following actions : Investigate this matter and verify the accuracy of my credit reports. 
XXXX XXXX, TransUnion, and XXXX to correct the disputed errors immediately. 
Take enforcement action, as necessary, to ensure compliance with the F CRA.

Thank you for your attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2024-09-17
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: Experian Information Solutions Inc. (TX)

I am writing to formally express my serious concern regarding the disputed accounts on my credit report. I have raised the issue of inaccuracies in these accounts multiple times and have consistently requested that they be thoroughly investigated. Despite my continued efforts, I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts on my credit report is causing severe damage to my credit profile, negatively impacting my financial health, and significantly affecting my ability to lead a normal life. These inaccuracies have resulted in undue hardship, and I am left with no choice but to once again request your assistance in rectifying this matter as a priority. 

I kindly request that you conduct a detailed investigation into each of the disputed accounts listed on my credit report and take the necessary steps to update and correct the information without further delay. Restoring the accuracy and integrity of my credit report is critical for my financial well-being, and I hope to resolve this issue promptly with your support. 

I sincerely urge you to give this matter your immediate attention and take swift corrective action. Your cooperation in resolving this issue is greatly appreciated, and I look forward to your prompt response. 

Thank you for your understanding and assistance.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

***DONT USE BANK OF AMERICA CHECKING ACCOUNTS FOR PURCHASING FLIGHTS** On XX/XX/XXXX at XXXX I made a transaction for a trip with XXXX XXXX and the transaction did not go through. I called my bank and spoke with one representative XXXX and XXXX supervisor at around XXXX blaming XXXX of holding funds of approximately {$3300.00} ( which the total amount posted was {$3300.00} ). 

I then transferred and connected the B of A representative to a XXXX representative by phone. XXXX clearly indicated that they do not hold funds! 

Since XXXX my funds of {$3300.00} have been pending in which I have needed to remake a transaction of higher flight price to Delta, but my funds have been held hostage!

I can not run my business if the bank will hold my funds. This has caused the price of my transaction to rise hundreds of dollars.

Will Bank of America pay for this? If not, then what is a bank for? Only incompetence to it's customers?
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
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: TRANSUNION INTERMEDIATE HOLDINGS, 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

This complaint is in regards to Flagstar Banks failure to comply with : Regulation X Specifically 1024.17 ( f ) ( 2 ) ( i ) - This section of Regulation X addresses Escrow Surpluses. 

An escrow analysis was completed on XX/XX/2023. The analysis determined that the was a surplus of approximately {$85.00}. I contacted Flagstar late XXXX or early XXXX to ask if the surplus was mailed to me. On XX/XX/2023 Flagstar paid the insurance policy for the house. The insurance they paid was@XXXX leaving an Escrow balance of XXXX. 

The representative indicated to me that a decision was made by Flagstar after paying the house insurance, to keep the surplus escrow amount. Flagstar did not issue a check but instead kept then funds but did not and has not as of this writing returned the surplus to my escrow account nor mailed a check. 

In reading Regulation X as it relates to escrow and escrow surpluses, I failed to see a provision stating that if the houses insurance comes in higher than Flagstar expects, that Flagstar can on its own accord, keep the surplus, not credit it to the escrow account, not inform the homeowner of its decision. 

Please provide the Regulation and relevant sections, subsections etc. that Flagstar used in making its decision Either refund the surplus or credit the surplus to my escrow account. I have no desire to donate the surplus to Flagstar.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account to ensure accuracy. Heres the account I am asking you to investigate : XXXX XXXX  ( account number - XXXX ).
Consumer complaint received 2024-09-17
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. (NC)

I am writing to formally dispute several hard inquiries on my credit report that were made without my knowledge or authorization. After thoroughly reviewing my credit report, I identified some inquiries, which I did not approve :
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the failure of a credit bureau to properly reinvestigate and remove an incorrect late payment from my credit report. This late payment is associated with my XXXX XXXX account. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

Despite my request, made under 15 USC 1666 ( b ) and 15 USC 1681s-2 ( a ) ( 2 ) ( A ) ( i ), the credit bureau has not complied with its legal obligations to reinvestigate and correct this inaccurate information. This failure has caused significant harm to my credit score and financial well-being. 

I kindly request that the CFPB take immediate action to ensure that the credit bureau adheres to its responsibilities under the Fair Credit Reporting Act ( FCRA ) and promptly removes the erroneous late payment from my credit report. 

Thank you for your assistance in resolving this matter. 

Sincerely, Regards/Sincerely, Name : 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 2024-10-10
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXX XXXXXXXX XXXX PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX