davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

Below is the email I sent to Wells Fargo. I paid my mortgage payment and credit card payment this month. Both were returned and a {$27.00} fee was added to my bill. I've read several other related complaints against Wells Fargo while investigating this. 

I'm wondering if Wells Fargo is attempting to benefit from scamming their customers. I paid my credit card payment twice last month and Wells Fargo returned the first payment. Just like Wells Fargo returned my first mortgage payment. 

I got charged a {$27.00} " returned check fee. ". 
I didn't write a check. I transferred money from my XXXX checking account and I have sufficient funds. My minimum credit card payment was {$20.00} higher than last month and I haven't used that card in over a year. Also, I've been receiving multiple letters a week referencing my mortgage is XXXX days delinquent. 

I would like to speak with a representative in reference to these incidents. I work nights so I'll be available by email to call a direct # or by phone after XXXX XXXX  est. 

Thanks, XXXX XXXX
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc. (MD)

AARGON Collection has been contacted by myself, XXXX XXXX about account number XXXX which was paid off XX/XX/2020. I contacted AARGON Collection and asked for " Removal Letter '' the first gentleman I spoke with in their collections department simply told me in a very nice and professional way that he is unable to produce a " Removal Letter '', I then asked to speak to a manager by the name XXXX XXXX who told me in a not so nice way that this company is only responsible for reporting when the account is paid and that is what they did so there is nothing else legally they need to do and that was the end of our conversation. I then called back and spoke to a very nice lady by the name of I believe XXXX who told me that they can give me the letter that I am requesting and she does not know why I am having such a hard time. She sent me back to their collections department and I got another nice gentlemen who explained to me that before the pandemic they would have been able to give me this letter with no problem but now they do not have the ability to do so. That he was very sorry. I could dispute it with the credit burrows and they will not fight it. He seemed to try to pull something up on his end but was unable to do so. He said the company was sued by a lady and now they have stopped producing this letter.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITY NATIONAL BANK (NV)

XXXX XXXX XXXX filed a Fraudulent Check Affidavit regarding two checks that were issued to a XXXX XXXX, XXXX. The checks specifically stated the company name & XXXX different banks cashed the checks to a personal account. XXXX XXXX XXXX  filed Filed a " Fraudulent Check Affidavit along with XXXX XXXX, XXXX but the banks, who cashed the checks, have not paid City National Bank the funds that they cashed to an individual. It's certainly the bank that cashed the checks issue. The bank should not allow an individual to cash a check that was clearly made out to a company. It has been over 4 months and the only answer I get is we haven't got an answer from the XXXX banks that cashed the checks. I believe the one Bank is XXXX XXXX XXXXXXXX. How long is a reasonable time frame for the bank to return our money?
Consumer complaint received 2024-04-13
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-13
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. (PA)

I think FCRA 605B means we have to take out any incorrect accounts from my credit report. Could you check the documents? Some of the accounts listed have inaccurate reporting, with wrong amounts and dates.
Consumer complaint received 2024-04-13
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. (CA)

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 XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am taking this time to write you in reference to updating my personal information with your company. Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Please update to my full legal name XXXX XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XXXX 
My only employer is : XXXX XXXX XXXX. 
Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate.
Consumer complaint received 2024-04-13
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 following up on a complaint regarding fraudulent activity identified on my credit report. After submitting an identity theft report to the Federal Trade Commission ( XXXX XXXX XXXXXXXX ), I am requesting the removal of the following account, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), reference number XXXX. Attached are the documents needed to facilitate this process. Please find below the account details as reported by each credit bureau, opened without my authorization : XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- -XXXX  : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- XXXXTRANSUNION : XXXX XXXX XXXX Balance : {$920.00}. According to FCRA Section 605B  ( a ), credit reporting agencies are required to remove any fraudulent entries from a consumer 's file no later than XXXX business days after receipt of a claim.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act. The list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have no right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not finish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting energy 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 or any consumer reporting and see if the person also knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-07-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I received an {$1800.00} loan from TitleMax XX/XX/XXXX. I made {$380.00} in payments every other week which were automatic withdrawals and a couple manual payments. Today, XX/XX/XXXX my loan is now owing {$1800.00}. How can it be you paid more than the amount borrowed and now owe more than you borrowed?
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-04-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (FL)

In XXXX XXXX XXXX  I moved from XXXX XXXX  to XXXX. In order to register the vehicle, the title needs to be transferred to XXXX, or the lien company needs to send a refusal letter. One two separate occasions ( XX/XX/XXXX, and XX/XX/XXXX ), the XXXXXXXX XXXX Tax Collector 's office has sent requests to Wells Fargo for either the original title of the vehicle loan, or a refusal letter. Both requests have been ignore by Wells Fargo. Tomorrow, XX/XX/2023 the registration on my vehicle will expire rendering it undrivable. My insurance company, XXXX, will drop coverage as soon as the vehicle becomes unregistered. 

To date, the only response from Wells Fargo, was directions to have the XXXX XXXX Tax Collector 's Office send them a request for the title. Which they have already done, twice, prior to Wells Fargo 's response, telling them to do what they already did.

Beginning Sunday morning, I will have loss of use of my vehicle. It will become unregistered, uninsured, and unusable. I'm sure becoming unregistered and uninsured violates some provision of my auto loan, allowing Wells Fargo to seize me vehicle.
Consumer complaint received 2024-04-13
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. (CT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX IN. XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid off an installment account in full on the XXXX or XXXX of last month and cancelled the account with the creditor. The creditor reports on the XXXX of the month. They ( creditor ) did not report the payoff or cancellation. I called the lender and asked why they did not upfate the account information to my credit reporting companies. They responded that they will do it sometime in ghe following month. I then filed a dispute with both Transunion and XXXX about the account status. XXXX took care of their part updating their account information and verifying the debt paid in full and and closed before the end of this last month. TransUnion did not report it until today and reported it as a reopened account with the old balance showing. I again disputed this over the phone with them today. Their response was they will look at it again within the next 30 days. I was going to buy a vehicle today but will have to hold off because of XXXX mistake. I am writing you of my experience with TranUnion and an unnecessary cloud on my credit because of their incompetence.
Consumer complaint received 2023-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (FL)

I recieved a statement from My Mortgage Company Roundpoint mortgage that shows my monthly payment was increased from {$1100.00} to {$1600.00}. I called them to explain why my mortgage is increased, and they said was added extra Insurance in my account as an escrow. I have already PMI and homeowners insurance and I refused to add extra Insurance. I called them more than one time to remove it from my account because Im NOT agree and I dont want it, I didnt give them a permission to add an extra Insurance in my account and Im unable to pay more than my original mortgage, but stil they didnt remove it, so I took out the autopay to clarify this situation because Im not supposed to pay an extra insurance if Im not agreed.
Consumer complaint received 2023-06-09
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. (OH)

I just received a notice about a credit inquiry I did not authorize : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 

INFORMATION FOUND Lender : XXXX Inquiry date : XX/XX/2023
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

New York State child support put the account on my credit reports. The account was closed and terminated in XXXX  and is no longer accessible in their records. I gave Experian city documents showing the date the account was closed, as well as a recent letter from three child support office showing the account has been terminated. Experian has received these documents but still has the account as open and current on my report. They also refuse to remove the account even though I have a letter of termination and the cold support office said it should be removed from the report since they can't access it any longer either. I have been trying to get this removed for 3 years, since the account was closed and terminated. The information is incorrect, should not be on the report, and is hurting my ability to borrow or create a better financial situation for myself and my family.
Consumer complaint received 2024-04-13
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. (IN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL XXXX of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX  party under 15 U.S. Code 6802 unless all XXXX disclosures were satisfied but they were not.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  is on my credit report twice as a hard inquiry and they stated they only ran my credit once on XX/XX/2022 but XX/XX/2022 is appearing on there as well. Please remove XX/XX/2022 immediately. Also, Navy FCU ( Finance ) is also showing as a hard inquiry on XX/XX/2022 and I reached out to them and it's still appearing on my credit. I don't have an account with them and canceled my application before they were suppose to run my credit.
Consumer complaint received 2024-04-13
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-13
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.

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 XXXX 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.