davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter is being sent today in order to formally contest some errors found on the credit report. Some discrepancies were discovered during a recent review of the credit report, which has caused my credit score to suffer. 

A prompt response to look into these inconsistencies and make the necessary corrections is expected given how serious this problem is. The credit system is made to accurately reflect consumers ' financial circumstances. However, the appearance of these errors raises concerns about the efficiency of that system. 

Dealing with these errors is difficult despite efforts to keep finances in order. It is doubtful whether this important financial document is accurate, which could have an impact on future financial decisions and the credit score. The potential effects of a system-generated report on one 's financial situation demand serious consideration. 

The seriousness of the situation is highlighted in light of the current circumstances, and an immediate conclusion to this dispute is urged. We need your help to solve this problem and deliver a credit report that accurately reflects fiscal responsibility. 

A timely response to this important matter is desired. A correct credit report can be obtained with your help.
Consumer complaint received 2023-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MS)

I wish to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute with Wells Fargo regarding a financial scam that caused me significant financial and XXXX  harm. 

Please see the attached PDF file containing all relevant documents and evidence.
Consumer complaint received 2023-09-04
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. (UT)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX  on my reporting credit 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.

This company misreported information on my credit. and information that is verified by me. therefore it is false and affects me in my report unfairly for me to advance in my economic life.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (OH)

Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I was in the process of buying a house and i realized i had some damages on my credit report. According to the ( 15 USC 1681 law ) there should not be any damages on my report, it is defamation of my character.
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I 'am a victim of identity theft. This account doesn't belong to me. I never heard of this company or done any business with them. Someone is using my credit to purchase items fraudulently. I was alerted by XXXX someone was trying to apply for a credit card in my name. I have attached my FTC report items that are fraudulent. I demand immediate removal.
Consumer complaint received 2022-10-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo has made my life XXXX through my private student loan. I have had a private loan with Wells Fargo from when I started college ( XXXX ) until a year ago when ( XXXX ) when they pawned off all their student loans to XXXX. Now Wells Fargo no longer gives me access to my account for me to give dates and examples. Throughout the span of this loan I tried to get Wells Fargo to lower my payments or even give me income driven which they denied several times. I have had to make payments to Wells Fargo rather than paying rent or getting myself groceries, to that the woman said, well thats just how it is.I can not believe how cruel and cold they have been towards me. The mental stresses they have put upon me is not right. They would rather get their money and have me suffer. There have also been a number of times in which they have not accepted a day late payment and charged me late fees as well as not accepting partial payment to suffice one of the loans. XXXX claims to have taken on the same liabilities as Wells Fargo. I have been in forbearance with XXXX for 9 months now. I only have 3 months left until I have to start paying that ridiculous payment. Which I absolutely will not be able to do, especially with the current economy.
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

We contacted our mortgage company XX/XX/XXXX to request PMI removal. They sent a package that outlined two options for a primary residence. Option 2 involved paying for an appraisal and required a value that supported a loan to value ( ltv ) of 80 % or less. We were out of country and sent the package back in XX/XX/XXXX. Upon our return we signed the documentation and included a check for {$450.00} for an appraisal. The mortgage company ordered the appraisal, we scheduled, and the appraisal was completed. I followed up two weeks later after not hearing back. A return call indicated our value was not supported, but they stated the ltv was XXXX, which was below the 80 % term agreed upon within the documentation provided, and executed by cashing the check. The representative went on to advise that the ltv requirement is 75 % not 80 %. I informed them of what the letter stated and after escalation, I finally spoke to someone that advised the letter was possibly revised. We have a binding agreement drawn on the terms they issued, and we accepted, which they also accepted by cashing the check. We are simply asking they cancel our PMI as agreed upon in the original terms. We are not far off of the " new '' 75 % requirement, so they should feel comfortable from a risk perspective to cancel as agreed upon.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I submitted a dispute with the credit bureaus about an account that is not validated. The company still did not validate the account and the credit bureau is still reporting the account on my credit report. It has been over two months.
Consumer complaint received 2023-11-06
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. (NY)

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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. (MD)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX  a servicer for us department of education, completely screwed up and gutted and destroyed my credit reports. you have illegally and unethically said i was delinquent when i was not, refused to invetigate the issue, ignored a sitting US senators inquiry, XXXX  up my credit report and lied about it for 7 years, stated an account was transferred not paid and closed, and refuse to respond to my inquires or correct the matter.you have destroyed a XXXX veterans credit and made him homeless again. you have lied and put false inaccurate information on all 3 credit reports. you have cuased me so much pain suffering and XXXX XXXX i intend to sue XXXX  for everything you are worth. i have rrepoirted you to the education inspector generals office for fraud waste and abuse of me as a veteran. I have a new congressional inquiry in with two US senators ofices and you will be hearing from them in this matter. ALL MY ACCOUNTS SHOULD READ PAID CLOSED ON TIME FOR LAST 7 YEARS AS I AM PERMANENTLY AND TOTALLY XXXX AS OF XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion, located XXXX XXXX XXXX, XXXX, Illinois, XXXX with XXXX. Employer Identification Number XXXX and XXXX and XXXX are reporting inaccurate information to XXXX XXXXXXXX XXXX consumer report which seems to be an intentional attempt to commit securities fraud, and purposefully interfere with XXXXXXXX XXXX XXXX XXXX XXXX. TransUnion, XXXX and XXXX are reporting that XXXX account number XXXX and XXXX account number XXXX are both charged off as bad debt which is inaccurate as you can see in the attached 1099-C copy B received from both companies the debts has been settled and cancelled. The courts have ruled it is inequitable to allow creditors to belatedly enforce an alleged debt after its received a tax benefit from the cancellation of debt. I AM A LITIGIOUS CONSUMER. I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST THE CONSUMER REPORTING AGENCIES.
Consumer complaint received 2023-01-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I sent out a letter out XX/XX/2022 in XXXX to XXXX, XXXX, and Equifax. However it been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense.

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

There are collections on my account for unauthorized accounts due to identity theft. This includes and account for XXXX in the amount of {$100.00}, an account with XXXX in the amount of {$1900.00}, and an account with XXXX with a {$0.00} balance.
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, I initiated a wire transfer of {$800.00} in person, at TD Bank Branch # XXXX ( XXXX XXXX XXXX XXXX, XXXX NY XXXX ). This money was being sent to my mother. XXXX XXXX # XXXX. 

On XX/XX/XXXX, the transaction was posted to my account : {$800.00} were deducted from my account. The wire transfer never reached my mothers bank. 

My statement ( attached ) shows the only note on that transaction : XXXX WIRE TRANSFER OUTGOING, SUSPECT/BLOCKED OFAC WIRES Starting XX/XX/XXXX, I kept reaching out to the TD Bank Customer Service XXXX XXXX, also went to the Branch # XXXX in person, and reached out to XXXX XXXX XXXX Vise President, Store Manager, TD Bank ) and XXXX XXXX XXXX Store Supervisor, TD Bank ) with multiple requests to return my money to my account or provide any official information as where the money has gone to. TD Bank keeps refusing to send me any letters to confirm anything in writing. The only response was from XXXX XXXX in his email reply on XX/XX/XXXX you need an XXXX license to release the wire. Ever since, Ive been trying to obtain information required for the application for that XXXX license, but the Bank refuses to provide the required information for teh XXXX application. The Bank gives me a run around - so I dont have information to complete the application for XXXX license.The Bank refuses to assist with the application. XXXX does not reply to my emails. XXXX states he will call back, and does not. Customer Services states it's the Branch that has to file for the XXXX application, not me. 
The only written document I received to date was a printout on XX/XX/XXXX ( attached ) that shows that {$0.00} left TD Bank - this was printed after my multiple requests in person at the Branch. I never received any confirmation if TD Bank started a Wire Transfer Investigation as I had requested. 
Yet, the {$800.00} is gone, as if vaporized. XXXX actually said I am not the only TD Bank customer in this situation.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-25
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. (DC)

XXXX  a servicer for us department of education, completely screwed up and gutted and destroyed my credit reports. you have illegally and unethically said i was delinquent when i was not, refused to invetigate the issue, ignored a sitting US senators inquiry, XXXX  up my credit report and lied about it for 7 years, stated an account was transferred not paid and closed, and refuse to respond to my inquires or correct the matter.you have destroyed a XXXX veterans credit and made him homeless again. you have lied and put false inaccurate information on all 3 credit reports. you have cuased me so much pain suffering and XXXX XXXX i intend to sue XXXX for everything you are worth. i have rrepoirted you to the education inspector generals office for fraud waste and abuse of me as a veteran. I have a new congressional inquiry in with two US senators ofices and you will be hearing from them in this matter. ALL MY ACCOUNTS SHOULD READ PAID CLOSED ON TIME FOR LAST 7 YEARS AS I AM PERMANENTLY AND TOTALLY XXXX AS OF XXXX
Consumer complaint received 2022-10-22
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. (IL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-09-07
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/21 I made my scheduled {$30.00} payment to Synchrony Bank/ Carecredit XXXX It was confirmed by my bank XXXX XXXX that the amount was drafted and successfully paid out. Carecredit sent me notice on XXXX the payment returned as insufficient funds and that was not correct. I submitted multiple proofs that the funds were received on their end and even got a manager that confirmed they received my payment. They closed my CareCredit account anyways and said there were somehow 2 payments made that day but I never authorized 2. They have not been able to give me evidence of 2 payments and one being returned.
Consumer complaint received 2022-12-07
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. (LA)

There are fraudulent inquiries that were attached to fraudulent accounts that have already been deleted from my credit report. These inquiries should have been deleted along with the accounts but were not. These accounts should be deleted immediately.
Consumer complaint received 2022-12-11
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. (OK)

Here I will list all the companies that the performed inquiries not authorized by me : 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