davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report, I found numerous inaccurate names, address, aliases, and addresses that do not belong to me. I want to ensure that you only retaining and reporting true, current, and accurate on my credit report per FCRA regulations and demand, as my lawful right, for names and addresses other than what is listed above and below to be removed immediately as it is not accurate and untrue. 

PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank you for your urgent response in this matter. 


Thank you,
Consumer complaint received 2023-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (GA)

I called LVNV Funding about the threatening legal action letter that was sent to me.The representative was not being cooperative and i asked them to verify the debt and not to contact me again with threatening letters!
Consumer complaint received 2024-04-11
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OH)

Since XXXX of 2016 Nationstar Mortgage has posted payments at their will with no particular pattern at times to the regular payment then at times to the principal. This type of posting gives the appearance that I am missing payments. Then they even charge late fees.
This is a never ending dispute with hours on the phone with Nationstar saying they 've corrected the issues and made the appropriate adjustments to the Loan.
They constantly harass me for missed payments which solely lies in their accounting and servicing of my loan.
Consumer complaint received 2024-04-11
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. (OH)

On XX/XX/2024 XXXX XXXX reported nonpublic consumer information to XXXX, XXXX, and Transunion. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 680. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.
Consumer complaint received 2018-08-13
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. (MD)

I was a victim of the XXXX  credit profile data breach, I now am a paid subscriber to all the 3 main credit reporting agencies, I noticed on several of the credit burros were reporting inquiries that I never made or asked for. the credit burros worked with me to investigate them and settled them accordingly.. 


I called Transunion 6 months ago to report to them I didn't know who 5 of these inquiries were form they refused to listen to me dispute them, I told them I disputed them, and they asked me to got to the police and get a police report then they would delete them from my credit profile. I went to the XXXX city police department, XXXX precinct. a police officer at the desk told me they had no way of knowing if the crime occurred within XXXX city or not, the lady officer did give me a police report pamphlet with a note saying as much with her phone and badge number..i faxed this with my dispute letter to Transunion. when I called in the next day the transunion representative told me what I had sent in was not sufficient to investigate my claims that I didn't know who made the inquiries.. 

I called again and got another representative who told me anyone can pull me credit without my permission and this was the law, but I read on the government fair credit act I have to give permission, which in these 5 instances I did not give permission and I am certain I didn't.. 

the 5 inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I dispute these inquiries on my credit report because I never gave my permission for them.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been in communication with XXXX about inaccurate personal information on my credit report.Even after notifying them about this error they still continue to report this incorrect personal information on my credit report. Not only it's unfair, it's illegal.By law 15 US Code 1681 ( b ) it clearly states that your reporting agency must follow reasonable procedures. 

Inaccurate personal information : REMOVE THESE HARD INQUIRES : XXXX XXXX  XXXX My only address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX zip code XXXX
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (GA)

This report is a concerning matter related to a recent transaction between my XXXX XXXX account and my Wells Fargo account. On XX/XX/XXXX, I requested a transfer, which was duly cleared on XX/XX/XXXX. However, despite the money being withdrawn from my XXXX XXXX account on the same day, the funds were not credited to my Wells Fargo account. 

I contacted Wells Fargo regarding the issue and was informed that there were no pending funds on my account, and I was transferred to the escalation specialist. The escalation specialist informed me that the funds would not show up on my account since the request was made on XX/XX/XXXX and that it would take 3 business days for the funds to appear. However, today, XX/XX/XXXX, marks the 3rd business day, yet no funds have been made available to me on my Wells Fargo account. 

This delay in the transfer is in violation of standard banking practices and is causing me significant financial distress. Furthermore, I am outraged that Wells Fargo has held my money, which was already withdrawn from my XXXX XXXX  account, without any reasonable explanation. This is completely unacceptable and unethical, and I believe it raises serious concerns about the ethical standards of Wells Fargo. 

Therefore, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Wells Fargo regarding this matter. I urge the CFPB to investigate this issue and take immediate action to ensure that my funds are credited to my Wells Fargo account without any further delay. 

Thank you for your attention to this matter.
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I lost my job in XXXX of XXXX and my husband and I were given an opportunity of paying {$610.00} per month stating there would be no actions against us knowing I was going to court to be reinstated. During XXXX of XXXX without our knowledge the house was in foreclosure. We actually found out our house was up for foreclosure from a neighbor who has a friend that was interested. We were on the foreclosure list and when I would call they claimed I was not, except it was all over the internet and investors were constantly writing offering to buy it and give us time to move out. One of the associates told me she needed to set up an appointment to inspect the house, another person from Wells Fargo called my husband and told him that when we left we would have to leave the stove, refrigerator, and microwave all this while we were still trying to save our home, meanwhile we continuously filled out paperwork for for forbearance 's and we were continuously turned down. In essence out of the ten payments of the requested payments of {$610.00} no payments were deducted. We were told it would take {$26000.00} in order to bring our loan current and we paid that on XX/XX/XXXX. We really tried to pay on the XXXX of XXXX but they told us they had to hold our cashiers checks until XX/XX/XXXX to verify the money. After paying {$6100.00} and then {$26000.00} they only deducted XXXX XXXX from the {$210000.00} we owed. Although we never received a forbearance they then raised our mortgage from $ XXXX+ to {$2000.00}. Wells Fargo also raised the interest on the mortgage. In XXXX we paid {$5100.00} in interest. In XXXX we paid {$4900.00}. Wells Fargo is now charging us {$930.00} per month for interest. we supposedly have a fixed rate but the person I spoke to today XX/XX/XXXX. I already told them they were just trying to take older persons homes and will send a copy of the statement where it shows they kept the money for themselves. 
In addition to all of this they sold my mortgage loan to another bank stationed in XXXX without our knowledge. We did not find out until their lawyers gave us this information. I have tried to speak to numerous persons including, XXXX XXXX who keeps promising to research but always says he forgot ; while talking to me as if I am just stupid and do not know what is going on. Note the last time we tried to get a modification they raised our mortgage by a couple of hundred dollars instead. They called this a modification.
Consumer complaint received 2023-07-10
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. (PA)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.
Consumer complaint received 2018-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I filed a dispute with Equifax on XX/XX/2018.I never received a response that any investigation was done or completed.I contacted them on XX/XX/2018 in regards to this matter, and they had no explanation.I was told you need to contact these companies yourself, if your report is incorrect, and these account do belong to you.I continue to ask, why I was not notified of your results, he refuse to answer.He said where did you get this information?, XXXX XXXX XXXX is your report, '' does this question make any sense? no, it does not.I told this person, that  this account has been on my report for 7 years or more, and should be removed.Also another company called XX/XX/XXXX , I have  never done any business with, to my knowledge, he said call them. 

I need a resolution to this ongoing problem with Equifax, which has destroyed my credit, and lowered my score.It has been more than 30 days, since I filed this dispute.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (PA)

In XXXX I had a statement balance of {$77.00}, I paid that in full on XX/XX/23. That same month/billing period, after I paid the statement and account balance, I was charged additional fees. These fees carried over creating a balance, and then they reported me late several months later.
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Effective XX/XX/XXXX, my previous mortgage company XXXX sold my mortgage to Nationstar mortgage. There has been nothing but problems since day one. The two latest problems are the most serious. 1. On XX/XX/XXXX, I received notice from Nationstar that they sent {$10000.00} to XXXX XXXX Az. sewer improvement district for delinquent taxes. I called the XXXX XXXX XXXX office and was told there was no money owed to them. I called them again today ( XX/XX/XXXX ) and they told me they never received the {$10000.00}, and if they had it would be returned to Nationstar as no money was owed. Nationstar says they have n't received anything back. Every time I call them they tell me it 's being investigated. I have requested documentation from Nationstar, but they either will not or can not provide it. I have now received notice from Nationstar that effective XX/XX/XXXX, my monthly house payment is going from {$390.00} to {$1100.00} to make-up the escrow shortage for the money that was never owed and is now missing. 2. On XX/XX/XXXX, Nationstar received a bill from XXXX XXXX XXXX in the amount of {$380.00} for homeowners insurance. On XX/XX/XXXX I received notice from XXXX that Nationstar had not paid the bill. I called Nationstar and they first claimed they never received it. They put me on hold for ten minutes. They came back on the phone and said they found it and would pay it immediately. On XX/XX/XXXX, XXXX notified me that the insurance was paid. On XX/XX/XXXX, I received notice from XXXX that there was a {$10.00} balance. I called XXXX  and was told the CHECK FROM NATIONSTAR BOUNCED. Nationstar had since sent a second check, and the {$10.00} was a bounced check charge. XXXX contacted Nationstar and they paid the bounced check charge, but had the nerve to take the {$10.00} out of my escrow account even though they had made the mistake.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 no consent is fraud.
Consumer complaint received 2024-04-11
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)

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. 

XX/XX/XXXX Opened XX/XX/XXXX {$260.00} XX/XX/XXXX Opened XX/XX/XXXX {$390.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1800.00} collection bureau of a 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 : 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 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT IN DISPUTE XXXX XXXX XXXX REPORTED BALANCE {$1000.00} ACCOUNT OPENED XX/XX/XXXX TERM XXXX XXXX  ( WAS EXTENDED AN ADDITIONAL 6 MONTHS TO 42 MONTHS ) Account was payed in full in XX/XX/XXXX with zero late payments I returned the car in XX/XX/XXXX and leased a new car from XXXX Newly leased car paid in full with XXXX late payments. 

In XX/XX/XXXX XXXX reported a balance on the original lease, two months after it was turned in. 
XXXX has reported late payments from XX/XX/XXXX till present, and erased all payments from XXXX to XXXX XXXX posted that I have been delinquent for 42 months of payments to credit bureaus I have attempted to speak to XXXX, where I have been verbally abused, hung up on, and laughed before being hung up on. 

When I dispute charge with Experian or XXXX XXXX, XXXX insisted and shows a piece of paper with the balance on it, but refuses to say what it is for. 

XXXX further sabotages my credit score by continually opening and closing the account. 

XXXX repeatedly leaves messages at the credit bureaus, then erases them. 

I asked for the XXXX XXXX XXXX to find out what is happening, but XXXX never responded. The XXXX has given them an F rating, and 173 consumer complaints at their site gives XXXX 1 out of 5 stars. Consumers complain that they are unable to give them Zero stars. 

At XXXX more of the same. XXXX XXXX is an aberration and needs to be investigated Now I am asking you for help, as XXXX has ruined my credit. I attempted to refinance my house over the last year and XXXX is costing me tens of thousands of dollars with this little game they are playing. 


WHAT IS THIS FOR? WHY IS THERE A BALANCE WHEN IT WAS PAID OFF IN XX/XX/XXXX AND A NEW LEASE STARTED? WHY ARE YOU SHOWING XXXX AS THE LAST PAYMENT?
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (MN)

XXXX XXXX XXXX and its affilates continue to use my report fraudulently and illegally XXXX XXXX XXXX is illegally sharing my data with its affiliates despite my will and in violation of the law. 
i have no contract with these companies and have not given them permissible purpose to use my name reports or likeness. this is in violation of several laws and my rights. including but not limited to Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Specifically, Section 604 of the FCRA requires that a consumer must provide written consent before a company can obtain their credit report.

Section 607 also prohibits credit reporting agencies from disclosing a consumer 's credit report without a permissible purpose, such as employment or credit applications.

Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq. 

Specifically, the GLBA requires financial institutions to protect the privacy of consumers ' personal financial information, including credit reports. 
Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510 et seq.

Specifically, the ECPA prohibits the interception of electronic communications, such as email or text messages, without the consent of the parties involved.

Minnesota Government Data Practices Act ( MGDPA )- Minn. Stat. 13.01 et seq.

The MGDPA regulates how state and local government agencies collect, use, and share personal information, including credit reports.

Minnesota Consumer Credit Reporting Act ( MCCRA )- Minn. Stat. 13C.01 et seq.

The MCCRA requires that a consumer must provide written consent before a company can obtain their credit report.

Minnesota Personal Information Privacy Act ( MPIPA ) - Minn. Stat. 325E.61 et seq.

The MPIPA requires businesses to provide notice to consumers about the collection, use, and sharing of their personal information, including credit reports.

it is illegal for transunion experian and equifax to continue to share this information without my consent and especially as i have made it known this data is fraudlent.
Consumer complaint received 2024-04-11
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. (IL)

Good Whatever, My name is XXXX XXXX and I am filing this complaint because this is the third time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action