davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-23
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (GA)

I am writing to express my profound dissatisfaction with the recent handling of a dispute claim related to charges on my Wells Fargo account. This complaint is in reference to a claim I filed approximately XXXX months ago concerning a charge of {$540.00} for car repairs that I later discovered were not performed, and the repair shop had closed down. I contacted Wells Fargo Customer Service to initiate the dispute process, and a claim was established at that time. 
During my initial communication with your representative, I made it explicitly clear that I possessed evidence demonstrating that the charged repairs were never executed. The representative assured me that I could challenge these charges and that I would be contacted if any additional information was required from my end. 
I diligently followed up with Wells Fargo at regular intervals, keen to ensure that the matter was progressing as expected. However, after a month of no communication from your end, I believed that the claim was being processed without complications. To my utter dismay, on XX/XX/2023, I discovered that my account had been overdrawn. Upon further investigation, I learned that the charges associated with the dispute claim had been inexplicably reversed. 
I immediately contacted Wells Fargo to understand the situation and was informed that the claim had been closed. To my astonishment, the representative claimed that a notice regarding the claim 's closure had been sent out. While I had not received this notice, it is essential to highlight that the claim 's closure was attributed to the reasoning that it was " too late to investigate. '' I am deeply aggrieved by this justification as the claim was initiated over XXXX months ago. If it was indeed too late to investigate, such a decision should have been communicated promptly. Furthermore, it is inconceivable that it took XXXX months to assign the claim to an investigator, who should have recognized this limitation and communicated it in a timely manner. 
To underscore my disappointment, I received XXXX letters from Wells Fargo following this episode. The first, dated XX/XX/XXXX, informed me that the bank was researching my inquiry and would contact me upon the completion of their research. The second, dated XX/XX/XXXX, stated that they had concluded their investigation and determined that the charges were made by me or someone with permission. This response is entirely irrelevant to the purpose for which I initiated the claim. 
As a loyal, long-standing customer of Wells Fargo , I am appalled by the lack of transparency, professionalism, and consideration exhibited throughout this ordeal. The closure of the claim without adequate explanation has had severe financial repercussions for me and caused undue hardship.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Fraud debits were pulled from my account via a debit charges. In the years that I have had my debit card I have used it only twice, just before the fraud charges hit my account. The information of the man who did the fraud and the names of the people that got the money transferred to them was given to Huntington Bank representative when I open a new account. XXXX XXXX # XXXXwas the person who committed the fraud. The money was transferred to XXXX and XXXX XXXX  to XXXX XXXX The other person was a XXXX ( last name I can not find ) this infor was given to Huntington bank. XXXX transfered XXXX and XXXX XXXX transferred XXXX charged to my debit card. on XXXX XXXX XXXX transferred XXXX twice. charged to my account. I feel that these charges are obviously not mine and should be reversed. Huntington Bank has put me in serious financial trouble by not refunding these funds. I am retired, visually impaired and recovering from XXXX XXXX treatment. A ps on this site would be that black font would be easier to read, I am usinga magnifying glass to try and read the screen
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I was in the hospital for a few weeks in XXXX of last year. While there some of my belongings were misplaced and never recovered. I realized this credit card was with my wallet that was lost at that time. A lot of unauthorized charges were made on this account.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am applying for a mortgage and Transunion returned with a " suppressed File '' notification. There verification system question had information completely unknown to me and locked the file. As just my Broker can not start the underwriting process. 

After attempting to contact online, by phone, and by chat, I referred to the Special Handling Department. While they explained the situation well and told me how to remedy it. They are requiring a mail in of sensitive personal information ( SSN Card copy ) to remedy. 

It would seem to me that the Company should notify a consumer when they take action on their file like suppressing it.
Consumer complaint received 2024-04-23
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. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove.
Consumer complaint received 2023-04-27
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Property was leased under my name ( without me knowing or approval ), in another state by a neice & a police report has been created. The current rental property owners have given the collections company the + $ XXXX balance to collect. Current new rental owners have depts that do not want to talk to me or responded to my emials, -- becuase collection company is engaged. I have provided collection company copies of TX drivers license, Proof of TX employement, copies of police report. Collection company had my wrong phone number & emial. Property was rented with E-signature during Covid19.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (IL)

I am writing to complaint to XACTUS about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Hi, I have had a creadit score around XXXX for over a year now. ( adding report attached ) I recently submitted a dispute through XXXX regarding what I believed to be the biggest reason why the score was not hitting XXXX, which was a false claim from AMEX/XXXX - Account XXXX. They posted that I have had a late payment 2 years ago. 
Today, I receive a notification from XXXX that my score decreased XXXX points. 
I suspect this is either an error or a result of actions of retaliation post my dispute either by XXXX or the AMEX account. 
.I was not offered information in regards to the decision either. I look forward to your help. 
I have worked very hard to build my score and this is beyond unacceptable. 
Thank you so much
Consumer complaint received 2023-04-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I lost my home in XXXX due to not being able to get a loan modification through wells fargo. I tried in XXXX - XXXX - XXXX and this is my 2nd time filing a complaint with the CFPB. After over 2 months of waiting for my issue to be reviewed and resolved they tell me that they reached out to me with no further contact and closed the case. They gave me no information to say why a follow up letter was not sent on any of the 3 times I filed for loan modification. I would send the requested info and I would call them asking for updates only to be told they lost it or were missing a page or two. I have emails and paper work from law offices and my realtor at the time showing where they sent info for loan modification. I talked to wells Fargo rep XXXX XXXX who advised me no additional info needed to be sent and then she says they tried to contact me all 3 times I tried for a loan modification but they provided no proof showing this. They haven't tried to help in any way and still continue to lie about assisting me. their common response is always deny they received anything and to delay the process and this has being going on for years. I have attached emails and fax confirmation s from my realtor XXXX XXXX in XXXX and the law firm I worked with in XXXX. I am also contacting them for all records concerning wells Fargo in my case. XXXX XXXX of XXXX XXXX in XXXX Tx # XXXX XXXX and XXXX XXXX was XXXX realtor XXXX XXXX
Consumer complaint received 2024-04-23
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. (IL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-11-02
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (CA)

I am on XXXX and I leased my car from XXXX with AMERICAN CREDIT ACCEPTANCE being the finance company. the car cost {$11000.00} I believe, and I been paying on this car since XXXX. THATS 5 YEARS, and the car STILL have a Principal Balance of {$11000.00}, Accrued Interest of {$2000.00}, and Fees & Charge of {$1300.00}, all which is making a payoff of {$15000.00}. This sounds WRONG. I am sick disable, and I am not understanding what is going on with this. The car was reprocessed in XX/XX/XXXX. They claimed it sold XX/XX/XXXX for {$2000.00}. And they are still charging a monthly regular payment for XXXX for {$360.00} and a new regular payment for XX/XX/XXXX for {$360.00}. I been complaining to them for years. I need help, I feel robbed, cheated, and taken advance of and I want my money back. 
I also want to join the case, CONSUMER FINANCIAL PROTECTION BUREAU and THE PEOPLE OF THE STATE OF NEW YORK, by XXXX XXXX, Attorney General of the State of New York, based on the above, and them hiding the true cost of the credit, setting me up to fail, and them doing stuff knowing that it would hurt me, and more! I tried asking them to lower the price so it could fit into my XXXX budget with no help. I told them my health was declining and it seem like it made it worst. By the time XX/XX/XXXX got here I could not keep up with it. Plus, I seen that they were just taking my money and it was not putting a bent in the payment after 5 years. Please help me get some or all of my money back.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bright Capital Inc (KS)

These people are a complete rip off. They took {$89.00} from me and I NEVER signed up for a membership. I NEVER even gotten an email saying thanks you or NOTHING to welcome me and my membership. I just looked on my account and I see a {$89.00} transaction for a membership that I never agreed to. There is no one to talk to. I tried to contact the chat but that is again complete scam doesn't work and I didn't get any refund yet. My info : XXXX for their reference. Thanks
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Fairway Independent Mortgage Corporation (IL)

XXXX XXXX posted a misleading advertisement regarding an interest rate without giving loan type, fees, loan type, APR, loan amount, etc. He intentionally used this advertisement to generate phone calls without giving any context of the loan product.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (DC)

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Consumer complaint received 2024-04-23
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. (NC)

I am here today as a human being living man, i did not give these person ( s ) permission to put anything on my report especially with permissible purposes. This is identity theft from XXXX XXXX XXXX. I have reached on several times to all 3 CRAs on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX, XXXX, Transunion, and XXXX XXXX XXXX. I Have documentation and a FTC report attached.
Consumer complaint received 2023-11-02
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. (NY)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for.I 'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-04-23
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 am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I received a notification that a collection account was listed on my credit reports by Capio Partners. As a result of that notification, I contacted Capio Partners and spoke with XXXX who advised that the debt was owed by me and the only thing they could provide was a copy of the statements. I explained that I never received treatment from this facility nor have I ever conducted business with the organization they purchased the account from. XXXX transferred me to XXXX ( XXXX XXXX ) who advised that because I am stating the services were not received by me, they are unable to provide any information regarding this account because I was not the patient. After threatening legal action, I was advised by XXXX that the information would be deleted as a courtesy from the credit bureaus within 30 days but may be sooner as they update weekly with the bureaus. XXXX advised that I am still obligated to the debt until I provide a police report. 

Blossom advised me to follow up with an email to XXXX and reference account number XXXX for any further inquiries. 

Complaint is being filed with the CFPB to document the incident.