davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
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: BMO Bank, N.A. (CA)

I recently opened a HELOC with Bank of the West ( Account XXXX ). The Bank never sent me any statement, nor they e-mailed these. When I found out that I was 60 days late on my payment from the Credit Bureaus, I contacted the Bank. They informed me that these statements had been deposited to my online access space, of which I was unaware as the Bank of the West had been acquired by BMO and they were still transitioning through their new XXXX. Suffice to say that I paid the balance and put the future payments to Auto-debit. 

I have thus far contacted the Bank, and even my relationship XXXX, XXXX XXXX, to no avail. I have never been late or defaulted on my obligations, and I find this instance and lack of their response rather malicious.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX
Consumer complaint received 2023-09-11
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)

I filed a dispute overe the phone, also sent them proof ' never resolved the matter Its like the doing fake investigation. Sold a debt to this company ( XXXX XXXX XXXX XXXX ) I sent proof that the company Does Not DEBT COLLECT Licenses in the State of debt which is Georgia. I attached proof to my file
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX, I used my target card. 

There were late fees on the card in XX/XX/XXXX Payment Date : XX/XX/XXXX Posted Amount : {$280.00} the amount due to XXXX out the account. 

I wasn't informed that there was a late fee on the account at the time of payment. 

In early XXXX I started the home-buying process and was told to pay XXXX. I didn't question it I just assumed that my family member used the card, so I paid the below. 
Payment Date : XX/XX/XXXX Posted Amount : {$130.00} Memo : PHONE PAYMENT XXXX VA On XXXX XXXX, XXXX, I was notified by my Lender that I now owed {$170.00} so I immediately called as there had been NO usage on the card as were getting a house. 
At the time the rep neglected to inform me of the history of charges however he said he was waiving XXXX late fees. But Never mentioned what I was paying for. I proceeded to make the payment out of desperation to close on my house. 

When I went online to review the account I noticed the card hadn't been used since XXXX XXXX and all the other fees were late fees being piled up with interest. I was never notified of any late fees or interest on the account.
Consumer complaint received 2024-04-07
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)

As stated in Section 602 ( a ) of the FCRA, there is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to protect my private information from being shared without my consent.

Under Section 6801 of the FCRA, it is the policy of Congress that financial institutions have an obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. As a " furnisher of information to credit agencies, '' XXXX  falls under this definition of a financial institution.

I want to bring to your attention Section 604 ( a ) ( 2 ) of the FCRA, which states that consumer reporting agencies may only furnish consumer reports with the written consent of the consumer to whom the report relates. I have not provided my written consent for XXXX  to furnish my information to consumer reporting agencies such as XXXX, Transunion and XXXX. Therefore, all consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Furthermore, under Section 6802 ( b ) ( c ) of the FCRA, financial institutions are required to inform consumers of their right to exercise a nondisclosure option. I was never informed by XXXX  of my right to opt out of having my information shared with consumer reporting agencies.

I also want to bring to your attention Section 1681C ( a ) ( 5 ) of the FCRA, which prohibits consumer reporting agencies from reporting " any other adverse item of information '' without the consumer 's permission. By reporting this account without my consent, XXXX is in violation of this law. 

Moreover, Section XXXX681s-2 ( a ) ( 1 ) ( A ) of the FCRA prohibits the furnishing of inaccurate information to consumer reporting agencies. If XXXX knows or has reasonable cause to believe that the information being reported is inaccurate, it is your responsibility to correct or remove it from my credit report. 

Finally, according to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. I am exercising that right and demanding that XXXX cease reporting my information to consumer reporting agencies.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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.

has violated my rights. Or a list of inquiries : 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 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

In XX/XX/2018, I received a summons from XXXX XXXX law firm regarding a XXXX XXXX credit card business account that had been closed with a remaining bance of {$2200.00}. I called the law firm on XX/XX/2018 and made a settlement agreement to pay {$700.00} in exchange for XXXX XXXX reporting the account with a {$0.00} balance. The call was legally recorded for sufficient evidence. I paid the {$700.00} in XX/XX/2018 and received paperwork from the firm stating the settlement was paid in full. XXXX XXXX changed the balance from {$2200.00} to {$1500.00}. The agreement was for a {$0.00} balance. I called XXXX XXXX and disputed the with all three credit bureaus without any success at almost 60 days beyond the satisfied agreement. I will upload documents and recorded call if possible.
Consumer complaint received 2023-11-15
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)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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 an account without my written instructions.
Consumer complaint received 2024-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TX)

I requested a forbearance under COVID/ CARES ACT/ CFPB and/or XXXX guidelines from XX/XX/XXXX - XX/XX/XXXX. CFPBXXXX and CARES ACT guidelines state that borrower payments should not be considered late during the forbearance period which Wells Fargo has chosen to disregard. Wells Fargo has also received further clarification from XXXX XXXX confirming possiblecommunicateion to remove the loan from escrow upon cancellation of PMI. PMI was cancelled as of XX/XX/XXXX and Wells Fargo is still telling me that my account is not eligible to be removed from escrow because of their internal policy which their employees have used to supersede investor guidelines and further directive outlined in the cares act per XXXX XXXX with the accounts executive team. XXXX XXXX also informed me that an exception request would not be sent to XXXX XXXX because they have an internal team that reviews case data submitted by the executive team. I would like to know why Wells Fargo has chosen to disregard the investor guidance and opted not to communicate with XXXX XXXX  to resolve the issue.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 
I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

has violated my rights. Or a list of inquiries : 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 2024-04-08
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. (NC)

It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.
Consumer complaint received 2024-04-08
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. (NV)

I HAVE DISPUTED THIS INACCURATE INFORMATION AND ACCOUNT REPORTING TO TRANSUNION ON THIS DATE XX/XX/XXXX, AND SENT THEM THIS LETTER ON XX/XX/XXXX. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT ARE STILL SHOWING. 

The personal information is inaccurately reporting : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 

EMPLOYER - XXXX XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 

EMPLOYER - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX XXXX XXXX - XXXX, The following inquiry was not authorized : XXXX - XX/XX/XXXX
Consumer complaint received 2023-09-23
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: CITIBANK, N.A. (NC)

This issue with with Citibank, N.A., XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. 

RE : Home Depot Credit Services and Best Buy Credit Services Citibank is the issuer for both of these branded credit cards, however, Citibank does not take responsibility for fraudulent attempts to open these cards and I have been unable to reach a person beyond Citibank. 

I saw activity related to these two accounts on my credit reports and then received notifications on XX/XX/XXXX ( Best Buy ) and XX/XX/XXXX ( XXXX XXXX ) that both applications had been denied. 

I attempted to contact the phone number listened for " Manager, Credit Review '' on each letter to dispute the applications and request that they remove these applications from my credit report. 

Both of these applications are fraudulent but neither vendor is reachable by phone to answer any questions about this or to file a fraud complaint.
Consumer complaint received 2023-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax refuses to remove the account of which I am a authorized user from my credit report even though I have disputed this many times now. I have had no issues with removing this erroneous information from my other credit reports but Equifax just will not remove it. I have tried multiple times to communicate with both Equifax and XXXX but both give me the run around and nothing gets accomplished but me starting over at square one. 

XXXX should remove me as a authorized user, the card has been closed for XXXX years and I have provided them with all the information to do such, but they instead have given me multiple numbers to call, often which are automated and do not recognize me at all, they have given me their collections department number as a 'solution '. Every month they report the account to my credit report, but only Equifax reports the bad information. They sent me a letter in the mail stating to call a number to have myself removed but the customer service can't find me in the system? But they can report it every month? Doesn't make sense. 

Equifax, I have disputed this pretty much weekly at this point. They do not respect the Fair Credit Reporting act, which I believe is supposed to make sure my credit report reflects my debts and credits accurately. I have told them multiple times I am not responsible for the debt and they can see it's a authorized user account but they keep reporting it and it's effecting my ability to work with lenders.
Consumer complaint received 2024-01-19
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: JPMORGAN CHASE & CO. (CA)

Hard Inquiries appeared on my credit report that were not authorized by me. I did not consent for my information to be used for a credit check and have no knowledge of them. I request these hard inquiries be removed and reported back to the credit Bureaus to be removed from my name immediately. 

JPMCB Auto Finance ( Bank ) XX/XX/ JPMCB Auto Finance ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX
Consumer complaint received 2024-04-08
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. (FL)

I recieved a copy of My Credit Report From Transunion on XX/XX/XXXX, and I noticed some things are inaccurate, erroneous and fradulent. According to Fedreral Reporting Credit Act, whenever a consumer reporting agency prepares a consumer report it shall follow reaasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report. 
TransUnion has verified certain accounts on my credit report without providing verifiable proof, which violates the Fair Credit Reporting Act ( FCRA ) and relevant state laws. This lack of substantiated evidence undermines the integrity of the credit reporting process and impacts my financial standing unfairly. It is imperative that TransUnion complies with FCRA requirements to ensure accurate and reliable credit reporting. I am taking necessary steps to address this discrepancy and uphold my rights under the law. 

1.DEPT OF ED XXXX XX/XX/XXXX Account Number XXXX, This account is erroneous, inaccurate and possibly fraudulent. 

2.DEPT OF ED XXXX XX/XX/XXXX Account Number XXXX, This account is erroneous, inaccurate and possibly fraudulent. 

3.DEPT OF ED XXXX XX/XX/XXXX Account Number XXXX, This account is erroneous, inaccurate and possibly fraudulent. 

4.DEPT OF ED XXXX XX/XX/XXXX Account Number XXXX, This account is erroneous, inaccurate and possibly fraudulent. 

As You can see the first two accounts are Duplicates. 

After thorough review and investigation, it has come to my attention that certain student loan accounts listed on my credit report were found to be erroneous, inaccurate, and potentially fraudulent. Both XXXX and XXXX have taken proactive steps to remove these accounts from my credit report. This action underscores the discrepancies and errors present in the reporting of these accounts.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have gotten no response to calls I have left for my Home retention specialist at Wells Fargo home Mortgage. I have left multiple calls and yet no response. I have also received a letter from my Home Retention Specialist stating that we had a phone conversation. We have had no conversation at all. Please see the attached letter of complaint to Wells fargo for more detail. I have also had recent money returned {$1200.00} with a later stating not enough o make a payment then I made payment {$3300.00} and I received an email stating that it would be held for remainder of a payment? then a letter stating that I had an overage in escrow that was being held. I am trying my best after my initial complaint to Wells Fargo and the CFBPB to get my account in good standing based an error that was made on behalf of Wells Fargo Associate and his instructions to me that I followed. I am very concerned with Wells Fargo home Preservation Associates not returning my call when the voicemail says wishing 48 hours My initial voice mail was left on XX/XX/2017 still no call back. I have had my home for 17 years and need assistance. I am losing countless hours of sleep due to stress and non resolution.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I XXXX TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX 1970 XXXX XXXX XXXX