davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (GA)

On XX/XX/year>, I called to close my US Bank Bank account because I had just opened a XXXX  account with XXXX XXXX and I didn't plan on banking with US Bank anymore. The person we called to close the account said that they would mail me a check with the remaining balance, and that we would receive the check in XXXX business days. Once XXXX business days have passed and since then I have called US Bank multiple times regarding the situation. Every single time I call they either tell me to wait longer, or some other reason. The last update I got was around XXXX weeks ago when I called to talk to a XXXX. They said they would send a paper for me to sign that would cancel the check so they can issue me a new one. They said that would arrive in XXXX business days, but over XXXX business days have arrived and we have yet to receive any mail at all from US Bank XXXX My closing balance was XXXX.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (HI)

I did a transfer from my XXXX XXXXXXXX XXXX XXXX XXXX Account to my Fifth Third Account which is known by the My wisely card which is a payroll Card. I did a XXXX dollar transfer and the money was deducted from my XXXX account and not put into my Fifth Third account. When I tried to get my money back I was told to do a card upgrade which I got denied and they refused to give my money back.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PREFERRED CREDIT INC (IL)

previously disputed a CFPB complain and results came back stating account not reported with XXXX. Preferred credit revolving account is factually incorrectly. All 3 bureaus are reporting account status as closed with a balance of {$5600.00} with the payment status of charge off with different account #. XXXX XXXX is reporting account # as XX and no data whatsoever on payment history whereas XXXX is reporting account # as XXXX with payments and late payments on payment history. XXXX is reporting account # as XXXX with OK as agreed from XX/XX/XXXX through XX/XX/XXXX, yet all three bureaus are missing data on date last payment. This is ridiculous! There is no way that account can be accurate and reporting on credit report when all three bureaus are reporting differently. Information should be the same when coming from the same furniture data. date less active is being reported at XXXX XXXX by XXXX XXXX and XXXX while XXXX reports XX/XX/XXXX. It is not acceptable that all three bureaus are reporting the same account separately! This is increasing my total debt by doing so.
Consumer complaint received 2023-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (PA)

I applied and received funds from XXXX. My mortgage was paid through XX/XX/XXXX with these Gov. funds. The monies were received by midland mortgage on XX/XX/XXXX and held in unapplied funds where it still is now. I am still showing as delinquent and the company has no response when I call. They do this every month. My whole mortgage is suspect and they dont produce accurate records which prevents the consumer from being able to see what they are doing with the payments.
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (AZ)

ON XXXX/XXXX/15 CONVERGENT OUTSOURCING INC CALL ME TO COLLECT A COLLET ACCOUNT and requested for me to pay the XXXX XXXX XXXX ACCOUNT AND I DID PAY OFF A TOTAL OF XXXX AND NOW XXXX XXXX XXXX IS TAKING ME TO COURT THAT I DID NOT PAY I BEEN CALLING XXXX XXXX  AND NO ONE CAN HELLP ME I DONT KNOW WHAT ELSE TO DO.
Consumer complaint received 2022-11-24
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. (NY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  have 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 an account without my written instructions.
Consumer complaint received 2022-11-26
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. (PA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-11-21
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. (FL)

Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX 

XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I paid XXXX XXXX to dispute my negative items on my credit. XXXX gave me advice to report the last two negative items as fraudulent. I took every step with XXXX. They said this is the final step in order for those two negative items to be removed from my credit.
Consumer complaint received 2017-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

I used to have my mortgage through XXXX XXXX but KeyBank took over its operations last year. After the takeover, I did n't update my payment information for my online checking account. I made a payment on-time in XX/XX/XXXX ; however, my bank sent the check to KeyBank 's XXXX location ( where XXXX XXXX was headquartered ). KeyBank sent me a letter telling me payment was late. When I called to explain what happened, I was told to call my primary bank ( XXXX XXXX XXXX ) and order it to cancel the check. Thereafter, I had to issue a new check to Key Bank which I did right away. I asked the agent if a late fee would be assessed and he said he would look into it and note my request on the file. I said that I would n't think a late fee was fair as I obviously tried to pay on time and could document that effort. I have no other history of late payments. KeyBank ultimately did charge me a late fee of {$67.00}. I called on X/XX/17 asking to have this removed and was told that it would not be removed as I should have updated KeyBank 's payment information. I only made 1 payment late ( the payment at issue ) and am upset that given the error was because of a corporate takeover, the fee is not being waived. Because of this fee, I suspect I will not be able to get PMI waived when the mortgage value reaches 80 % ; I estimate this will cost me $ 1k - $ 2k.
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (UT)

Credit Collection is attempting to collect a debt and report 2 accounts on my credit file ( XXXX & XXXX ) for a debt I never got notice on.. The min I saw it on my credit report I paid them. They should have never been posted on my credit and they need to be removed.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : Original Creditor : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am writing to escalate a dispute regarding inaccurate information on my credit report, which has been verified by XXXX XXXX despite my efforts to provide evidence proving the inaccuracy. 

Disputed Information : On XX/XX/2024, I submitted a formal dispute to XXXX XXXX regarding inaccuracies on my credit report related to account paid in a timely manner. but bureau is reporting collection. I provided detailed documentation and evidence supporting my dispute, including documentation from my credit report using XXXX XXXX. 

Verification Without Investigation : Despite the evidence provided, XXXX XXXX has verified the accuracy of the disputed information without conducting a thorough investigation into the matter. This response is unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus investigate consumer disputes and correct any inaccuracies. 

Request for Intervention : I request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that XXXX XXXX fulfills its obligations under the FCRA and conducts a proper investigation into the inaccuracies on my credit report. I also request that appropriate enforcement action be taken against XXXX XXXX for its failure to comply with regulatory requirements. 

Enclosed with this letter are copies of all relevant documentation, including my credit report, dispute letters, and any correspondence with XXXX XXXX. I request that you investigate this matter promptly and inform me of the results of your investigation. I want Portfolio Recovery/Original Creditor XXXX XXXX removed! They never informed me through mail, email, phone call of this alleged debt was owed. The account was paid. Per evidence submitted from XXXX XXXX credit report. This account was paid on time monthly. Please remove these XXXX accounts from my credit report. Account # Portfolio Recovery XXXX Original Creditor XXXXXXXX XXXX. Account # XXXX Portfolio Recovery Original Creditor XXXX. They have no evidence that the delinquent account is mine. The only account that is mine was paid on time! 

Thank you for your attention to this matter. I look forward to a swift resolution and the correction of the inaccuracies on my credit report.
Consumer complaint received 2023-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IN)

In accordance with the fair credit reporting act Midland credit Management has violated my rights. 15 U.S.C 1681 Sect. 602 A states i have the right to privacy. 15 U.S.C. 1681 Sect 604 A Sect 2 it also states that, A consumer reporting agency can not furnish a account without my written instructions. Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. Sending a statement does not prove this is my debt. You also had someone trespass onto my property per my cameras to deliver a package not once, but twice that my dogs chewed up. You have also sold my information to 3rd party agencies as i am getting letters from attorneys about being sued. This again violates 15 USC 1681. 

Cease and desist immediately as well as remove the judgement.
Consumer complaint received 2023-03-03
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 was contacted by XXXX to validate a credit card application which I confirmed was fraudulent. I was advised to set up an alert with XXXX, XXXX and Transunion which I did. When I attempted to dispute the inquiry with Transunion I was told I must first file a claim with the FTC then mail the ruling to Transunion. FTC directed me here.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

My ex girlfriend somehow got into my XXXX account and ordered a bunch of stuff using my debit card thats attached to the account. I quickly contacted XXXX to get these orders cancelled because it is fraud and they told me theres nothing they can do because they already shipped and If I can get these items from her I can return them for a refund but I she refuses to give anything back. I quickly removed my cards from my account and changed my password but I dont know what to do in regards to getting my refund. I didnt allow these purchase and Im just not sure what to do The amounts are {$74.00} on XX/XX/2024, {$57.00} on XX/XX/2024, {$27.00} XX/XX/2024 And {$25.00} on XX/XX/2024
Consumer complaint received 2024-04-16
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: WELLS FARGO & COMPANY (ME)

On XX/XX/XXXX I received notification from XXXX XXXX about a hard inquiry from Wells Fargo on XX/XX/XXXX that I had not requested or consented to. I reached out to Wells Fargo on XX/XX/XXXX, and they were able to find an account attached to my name and social security number. While they were willing to close the account at the end of the call when I explained I couldnt go in person as they requested because my nearest Wells Fargo is multiple states away, they would not provide me any information regarding the account as they couldnt verify me as the owner of the account. Clearly, I would lack some of the information attached to an account opened fraudulently. 

I will note I think its possible there is an old Wells Fargo account I opened when I was younger and forgot about it ( a decade or so ago ), but that would fail to explain the new hard inquiry. I requested to know when and where the account was opened and they would not disclose it. I find it particularly strange that they were able to verify my identity enough to be willing to close the aforementioned account, but refused to tell me anything regarding the account. I need this information to have a clearer idea what steps need to be taken to protect my identity and information.
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

I have been in foreclosure procedeing since  XXXX  including   XXXX    court cases, last  XXXX  mortgage lender ask for dismissal without prejudice. After dismissal lender sells off mortgage and new owner files with same evidence and later dismisses. I tried to make payment with cash to  XXXX  which refused to accept payments covering my P & I plus escrow.
<P/>
  XXXX   XXXX  ,  XXXX  OH court cases as follows :  XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   VS   XXXX   XXXX     XXXX   XXXX   XXXX   VS   XXXX    Current attorney for new lender is   XXXX   XXXX  , LSR #  XXXX , (  XXXX  )  XXXX .
I called current lender and they redirected me to above listed attorney.
I contacted  XXXX  on  XX/XX/XXXX  to discuss options for my home on   XXXX   XXXX   XXXX   ,  XXXX , OH   XXXX   in which I occupy.
<P/>
I since followed up with several emails to   XXXX   ( last 2 emails ) XX/XX/XXXX , &  XX/XX/XXXX  which are still are yet answered.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

This debt is over the statue of limitations for collection therefore you are already violating the law and second i was a victim of identity theft so there has been no proof of my actual wet signature to justify or prove that this debt is mine or enforceable.
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I paid off Nationstar mortgage    XXXX   XXXX     . The lien release has not been sent to    XXXX   XXXX   . I have called and emailed since  XXXX  Each person I spoke with stated the lien release would be filed in  5-7  business days. I spoke with  XXXX   XXXX  (   XXXX   ext  XXXX  ) and  XXXX   XXXX  (  XXXX  ). Both assured me that they would personally take care of the oversight and neither has done so. All I want is for  Nationstar  to send the release to    XXXX   XXXX
Consumer complaint received 2024-04-16
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (SD)

I have several unauthorized purchases on my card. Actually, someone stole all the money off of my card. They changed my pin. Now I can not even speak to anyone as the card has no choices to even talk to a person. The phone number and website loop you and then just disconnect. I am in serious financial trouble and have XXXX ways to resolve the issue. 
This is the Way2Go payment from CPS in SD for reimbursement.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. XXXX XXXX and U.S. Bankruptcy Court XXXX. Please remove these items ASAP.