davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (PA)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Disputed this and the credit reporting company told me to call portfolio recovery i did and they told me to call the credit bureaus. Portfolio agreed to remove the item off my credit report but it is still there and they will not do anything after I 've called multiple times. I only have the {$0.00} balance and closed letter
Consumer complaint received 2022-12-20
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: WELLS FARGO & COMPANY (TN)

In the summer of XXXX, I applied for a student loan from Wells Fargo to attend XXXX school. At the age of XXXX, I had no idea what I was signing and as I look back I felt they preyed upon me. I was not working and had no idea about the financial end. They never asked for a co-signer but because I had good credit granted me over XXXX for a student loan. At that age, I had no idea what I was doing. I work very hard and pride myself on my current and past payment history. I have been paying the loan since XXXX and it has gotten nowhere. I have sacrificed many years being away from my family to make more money doing XXXX  XXXX trying to pay my loans. I now have my own family and am experiencing financial hardship due to the Wells Fargo irresponsibility of qualifying me for a loan, that I now know should have never been granted. I feel they have set me up for failure. I do not know what to do since I can not file for bankruptcy. I am complaining because I never would wish what I am going through on anyone. As hard as I and my husband work we still can not afford to buy a house. It also has prevented us from having any more children. If there is any guidance you could give me I would really appreciate it. Kids need to be educated before granting them any loans on their own.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo managed the XXXX XXXX  trust for many years. XXXX  income was from family land sales. XXXX was robbed and depleted by the bank. The money went into the bank from the sales, but was never available And depleted by management fees Or other illegal activities.
Consumer complaint received 2017-03-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

This is regarding CFPB # 's XXXX and XXXX. I am attaching the first XXXX pages of the approved loan adjustment agreement ( Loan Modification Papers ) that I received from XXXX on Thursday XX/XX/XXXX. I had just wrote to you last Saturday, XX/XX/XXXX regarding another issue with Bayview loan not crediting my account where they have admitted fault on wrongfully foreclosing and adding a plethora of charges and fees to my loan regarding the wrongful foreclosure These have yet to be corrected and I have now asked 3 times to no avail. I received a call from a XXXX in the Customer Advocacy Team Department saying they were in receipt of the CFPB letter and assured me that 1 ) I would be receiving an answer on my loan modification, 2 ) the current foreclosure ( XXXX XXXX ) auction date of XX/XX/XXXX is ON HOLD, and 3 ) that I would receive a letter explaining the credit ( s ) to my account where Bayview 's errors from the wrongful foreclosure and any other fees/charges were put on my account and also regarding my NOE letter from XX/XX/XXXX. On Thursday XX/XX/XXXX, I received the loan modification papers from XXXX. I was approved. However, I was n't happy because NO credit of ANY TYPE is included to adjust the amount owed to Bayview. I called XXXX to let him know this. XXXX told me XXXX was unavailable and XXXX said XXXX only was letting me know that my letter from CFPB was received and if I had any other issues. I told her I need to talk to him regarding our conversation she said I have to talk to XXXX XXXX. I called XXXX to let him know the credits are not included on the loan modification papers. XXXX tells me I will have to write a letter to the Bankruptcy department but send to his attention regarding my credits not showing. I asked why do I have to write ANOTHER letter when I have been waiting since XX/XX/XXXX for these credits to appear and for Bayview to rectify this entire mess. I said I have written 3 letters regarding my credits as it is. I asked if I could please talk to the bankruptcy department. XXXX said he can not put me through to that department but that we have time and sarcastically ( as he usually is! ) said you said that XXXX said the foreclosure is on hold, did n't you? Why do n't you have XXXX call me ( this is the realtor that I was trying to see about selling my home that said he would help me with my loan modification to make sure it goes smooth, he would have to charge me XXXX and took a check for XXXX from me - all he has done is had me sign a paper stating I am allowing him to talk to XXXX XXXX and has called XXXX about three times - NOT HAPPY WITH " XXXX XXXX XXXX ''. continued on # XXXX of this form on " My Information ''
Consumer complaint received 2022-12-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

I was giving an fha loan under false terms. I was quoted one price based on my income ( which is disability ) and all the paperwork was changed to increase my income and my mortgage payments. I was hospitalized for 13 days during the time that the loan closed. Three of those days I was not even conscious. It took me some time to regain my thoughts and mobility from the near death experience. During this time the company called several times a day and I repeatedly said I was uncomfortable moving forward at that time. I was only home 21 hrs before they sent a notary and a laptop with the lawyer on zoom and a stack of papers for me to sign. I did not fully understand what I was signing and was not giving time to look over them ( they were not the documents I had seen prior to being admitted in the hospital ). I gave my realtor permission to get the down payment from my account and they also changed the amount of it and basically took all my savings when I was told I would have a 3.5 % down payment for a fha loan. The whole process was lies and now Im in a mortgage that I can not afford. Rocket Mortgage ruined my first home buying experience and nothing is being done about it. They are criminals and they used false information to qualify me for a loan. They should not be allowed to get away with this.
Consumer complaint received 2022-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

XXXX. Paid for XXXX XXXX. Confronted XXXX XXXX and XXXX. before collections about {$380.00}. Records confirmed no such debt. Called debt collections and disputed dept. Still refused to remove negative remarks on credit.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I received the letter with your dispute results and I need to know WHY these accounts are still remaining or you are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from your company! These accounts are still reporting errors.Each one has different accounts open dates. Thats inaccurate right? How can this be?! Please explain to me how your agency has so-called verified these accounts? Im allowed to ask and youre REQUIRED to answer.

So how did you do it?!

Who did you talk to in the creditors office?

Did you send them the information about the account that I sent in?

How did you send it to them?

Did you fax it, did you mail it, did you use the same mailing address and/or telephone number listed on the credit report that I have What did you do? And furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that its been verified?

The FCRA says that you have to tell me this within 15 days if I ask. And please do not send me any more of your generic response letters of how you use various methods. Im asking for SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the full name of the person you spoke with or who told you electronically that it was verified.

If you do not know then you need to find out and shame on you if you do not know because that would NOT be a proper investigation on your part as you are required to conduct.

Any automated response or e-Oscar verification is unacceptable. I am requesting a RE-Investigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-06-16
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. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

12. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2022-12-20
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. (AR)

I recently discovered that I am the victim of identity theft. On XX/XX/2022, I sent a copy of the FTC report, my ID, proof of residency, and a letter identifying the fraudulent items that have been published to my credit report by TRANSUNION without my authorization of consent. These documents were sent certified mail. The tracking number confirms that XXXX received these documents on XX/XX/2022. Federal law states that these items must be removed within 4 days of receipt. As of today, XX/XX/2022, 15 days have passed and there are still a total of XXXX fraudulent inquiries, which are all included in both the FTC report as well as the letter I sent, is still being published on my credit report. At this time, Transunion is being noncompliant with Federal law by continuing to furnish this information. I have attached all of the documents relating to this complaint including the FTC report, letter identifying all fraudulent items, ID, proof of residency, & certified mail tracking history from XXXX.
Consumer complaint received 2022-12-20
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. (FL)

The Credit bureau, TransUnion, sent a mail and stated my account was properly investigated but how is that possible if the open date is inaccurate, the data last active is inaccurate, the date of last activity is inaccurate, the date last reported is inaccurate, and the payment history is inaccurate. This is grounds for removal and they also violated my rights under : 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 an account without my written instructions.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

A false contract was created/ opened in my name without my consent during a time when I was a victim of Identity theft. 

Multiple accounts were opened in my name and went into default and collection using my identity during a time when I was a victim of identity theft.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi I had file a claim with bank of America for a gas transaction and two ATM transactions and immediately updated with the bank ... I have a regular paystubs coming into my account..I have a kid too feed who is XXXX year... they denied my claim... how can bank of such big can do this..how am I responsible for fraud..skimmer might have used card anything can have happen..how can they denied it..I want immediately help and my money back... I have been with bank for more than four year plus..
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Deposited 3 Money Orders in XX/XX/2022. XXXX revoked on XX/XX/2022 citing refer to maker. XXXX XXXX acknowledged checks were cashed on XX/XX/2022. I suspect the bank made a mistake. Images are not available for me to view from the check deposit. Bank is hiding information
Consumer complaint received 2022-12-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My husband and I have separate addresses due to personal problems. We have had a joint account for years before the separate addresses that I don't use. Because of my credit problems I filed a bankruptcy, he did not. I have not worked in years, he's the one who works and makes deposits into this account. Wells Fargo went in and froze my husband 's account with almost {$8000.00} in it. My husband is blaming me and is very upset. My attorney said my bankruptcy  would not affect my husband in any way, but Wells Fargo has frozen his assets. My attorney said they are about the only bank they know of who does this type of unfair practices to their customers. My husband has bills and mortgage and other items to take care of, as well as it being the holidays. Can someone help to unfreeze this account?
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (MD)

From XXXX to XX/XX/22 I have been in the market for a vehicle to be financed for the first time. I was not aware nor did I authorize the amount of inquiries on my credit report. I have over XXXX hard inquiries on my report which is just not attractive to lenders at all. I can recall only about XXXX dealerships Ive been too that I authorized one pull off my credit anything more I did not approve of. Under the the fair credit act nothing can be added or reports to my credit profile I have the power of that stated in 15 U.F.C 1681 A and B
Consumer complaint received 2017-04-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USI Solutions Inc. (FL)

In 2012 XXXX installed a security system that never worked properly. It was " repaired '' and failed again a day later. After many calls, we cancelled their service for non performance. They were sent certified letters detailing the issues and explaining that we would not pay for something that did not work. 
They have now sent this to a XXXX or XXXX collections company and I have to explain the issues repeatedly. Now USI solutions is calling and sending letters after about 2 years of no contact at all. Their rep is very aggressive and nasty even after I explained the problems with the XXXX. 
USI Solutions XXXX, PA XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Self Financial Inc. (VA)

In Accordance with the Fair credit Reporting act XXXX Account # XXXX Has violated my rights. 
XXXX5 USC 1681 section 602 States that I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states an Consumer Reporting Agency can not Furnish a account without my written Instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account, or an open consumer credit plan as late For Any Purpose.