davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-24
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. (FL)

THIS IS AN UNVERIFIED, FRAUDULENT ACCOUNT. TRANSUNION IS IN DIRECT VIOLATION OF MY CONSUMER RIGHTS UNDER THE FCRA. FURTHERMORE, TRANSUNION IS VIOLATING DOLA PRACTICES by UPDATING THE " CO '' MONTHLY ON MY REPORT. PLEASE REVIEW ATTACHED DOCUMENTATION AND IMMEDIATELY DELETE FROM MY CREDIT FILE. 

I WOULD ALSO LIKE INFORMATION ABOUT MY LEGAL RIGHTS AND ACTIONS THAT I CAN TAKE AGAINST TRANSUNION FOR SUCH PRACTICES.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a capital one credit card. Capital One has been self serving. My interest has gone up to XXXX %. And I have a credit score over 700. I had set up auto pay for my account. I thought the auto pay would cover the minimum. Unfortunately, Capital One allows auto pay to be less than the minimum and I wasn't aware. My payment for XXXX drafted for less than the amount due. On top of sky high interest capital one charged me a {$40.00} dollar late fee. I did not know my payment drafted for less than the minimum amount due until I looked at the mobile app. I called capital one to explain that I was not aware the payment was drafted for less than the amount due. The agents were uncaring and did not offer to rebate the late fee. I've been a customer of capital one for many years. Why would they not be understanding and rebate the late fee? Especially when capital one is charging me sky high interest and I have a credit score that does not warrant this type of interest? 

Also capital one has told me different things in regard to credit reporting. I was told they don't report late to the credit bureaus unless a person is 30 days past due. Now tonight I spoke with an agent who said it's actually 30 days past the cycle date. So I'm confused on why the answers have shifted. 

I will be closing down this card once it is paid off. Capital one is self serving. 

I've decided to simply pay myself. And to leave credit alone. These cards are death traps. Capital one does not offer enough credit for anyone to really do anything with anyhow. They offer a few thousand and hit the person up with sky high interest and fees and it's not even worth it. For the paltry amount of the credit they have given me I might as well just keep an emergency fund. I understand I will take a hit to my credit when I shut down these cards because they are open trade lines but you know... to XXXX with with credit bureaus. If I have to be in debt to keep a good score I don't want a good score.
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Asset Management, LLC (MI)

XXXX took it off cause I do not owe this it is not my debt to pay I do n't know where it came from I have had only XXXX and now XXXX I do not know what other steps to take it needs to come off my report tried to apply for a mortgage loan to buy a house and they told me about it on my credit report did not know anything g about it till then that was XX/XX/XXXX been fighting it ever since XXXX took it off my report
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo put me into foreclosure and sold my loan to XXXX XXXX XXXX. The XXXX sale was XX/XX/2022. It should be noted that I am a mortgage loan XXXX and have been for over 20 years. I know the processes. I know the debit to income ratios. I know the underwriting guidelines. I worked for Wells Fargo as a mortgage loan XXXX. When I was not able to make a payment, I reached out to Wells Fargo because that is the responsible thing to do. They would not work with me. They asked me to apply for another loan. This happened several times. They denied me a loan several times.I am a mortgage loan XXXX and have been for over 20 years. I know the processes. I know the debit to income ratios. They undervalued my home. I contested that by paying a bank XXXX do an appraisal on my home. I submitted the appraisal with a valid market price. XXXX on my block recently sold for {>= $1,000,000} each. I was told that my debt-to-income ratio was too high. I produced more income. I am a mortgage loan XXXX and have been for over 20 years. I know the processes. I know the debit to income ratios. Wells Fargo did not respond. There was not continuity. There was no one who would follow up and actually offer me assistance. Their letter said they were there to help me but that was a lie. Wells Fargo is being forced to reimburse homeowners because of XXXX XXXX 's failure to operate like a responsible lender. My address has changed. My wife has divorced me. How do I put in a claim for damages? Wells Fargo is being forced to pay billions of dollars in damages and in reimbursements. I am a mortgage loan XXXX and have been for over 20 years. I know the processes. I know the debit to income ratios. Wells Fargo does whatever it wants to until they get caught. My life has been turned upside down because of of their negligence.
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX 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 instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX -XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the XXXX XXXX XXXX and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. 
The List of accounts below has violated my consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account # XXXX. Account Name XXXX XXXX XXXX Account Name XXXX  XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX  XXXX 15 U.S.C 1681 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 instructions.

15 U.S.C. 1681c5 states no consumer reporting agency may make any consumer report.
Consumer complaint received 2022-12-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In the year of 2019 we resided at XXXX XXXX XXXX XXXX I feel behind on payments we were financed through Wells Fargo mortgage. My wife and I were able to come up with a balance that we needed and tried all routes through Wells Fargo to pay the balance to not foreclose on our home but our house was listed and sold already. There was no notification to us and did not seem as though the whole process was done correctly. They made it clear that they did not want us to have anything to do with the house anymore as there was no communication what was going on to the whole process. We knew that we were behind but we're not told how fast they were moving to just sell the house. We were shocked when our house was placed and sold without giving us an opportunity to pay the balance needed..
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Submitted identity theft report. 
Update my information to all XXXX credit platforms.Information should read XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no other allies Requested name variations outside of name listed above be removed. 

Requested all soft and hardinquiries be removed from credit profile Request all inaccurate information about my accounts be removed Request proof of debt from all collection debtors on my credit profile
Consumer complaint received 2022-08-25
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. (MN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX ( a ) states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX ( XXXX ) also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-21
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. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I received an offer from Citizens Bank for {$500.00} to open a checking account. I opened the checking account, met the offer requirements, and then waited for my bonus. Citizens has never paid me the {$500.00} bonus, citing " internal reviews '' every time I go to the branch to ask about the bonus or follow-up on payment. Meanwhile, I 've been charged {$20.00} per month in service charges while waiting for this bonus for approximately 8-9 months.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OR)

Hi, In the fall we refinanced our mortgage with Wells Fargo. 
After we filled out the paperwork, they set us up to get an appraisal with a completion date of XX/XX/XXXX. Wells Fargo then set a closing date of XX/XX/XXXX. The appraisal was ordered on XX/XX/XXXX and was completed XX/XX/XXXX, and then we waited. The appraisal came in 2 days early on XX/XX/XXXX. Which was scheduled to be in. time for a closing of XX/XX/XXXX. Just before XX/XX/XXXX we revieved a call from our loan officer, telling us that we needed to pay {$750.00} for a lock extension to ensure our rate of 3 %. He said with all the business they had, the docs department could not produce our documents by XX/XX/XXXX. He said that if we did not sign the lock extension, we would have to start the process over from the beginning. So we signed. Wells Fargo then moved our closing date from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the day we closed the mortgage, the mortgage rate at Wells Fargo was still 3 %. 
I am asking that my {$750.00} be returned. Wells Fargo knew the date the appraisal would come in, but yet they set and decided not to move the closing date. They said our documents sat in their documents department too long. They said the appraisal took too long. 
1. The appraisal came in 2 days earlier than they told us originally. 
2. They picked the appraiser. 
3. They controlled how long the documents sat in their documents department. 
4. I should not have to pay for their inept handling of the refinance. 

I wrote to them on XX/XX/XXXX. On XX/XX/XXXX they wrote back and blamed the delay in the appraiser. In our closing documents, Wells Fargo also attempted to charge us a mobile notary fee. We saw that and objected, since there was no use of a mobile notary. 
In reviewing our claim they said they place that fee in every contract. People must ask to have it removed if there is no mobile notary. How many people do n't realize it is in there or do not know to take it out?? I would venture to say that 90 % of their closings do not involve a mobile notary. What a scam!! 
I hope someone will look into other cases where the closing delay was caused by Wells Fargo and they extorted a payment of a lock extension fee. I hope someone will force them to not place the mobile notary cost in every contract. If people do n't see it or understand they can ask it to be removed ... Wells Fargo gets money for nothing. 
I thank you for any help you can provide, XXXX, Or XXXX
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AR)

I am one of the 142+ million Victims of Equifax 's botched/lax security standards. I have been waiting a week for them to send the email which will allow me to complete my enrollment in their offered " Protection '' Plan - called them today and call center simply states over and over that they are overloaded and to wait.
WAIT until someone steals my identity and ruins my hard earned Credit Score? WAIT until I pay multiple  other reporting agencies to freeze my credit? WAIT while their executives sell more stock and/or retire? Equifax knew of this breach for over a month, have still not notified me in writing, and have had plenty of time to staff-up to handle the fall-out. In the mean time, I 'm and 140+ million others are at risk of having a life ruined with identity theft!
DO SOMETHING to protect the public!!
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

hey hows it going i have reviewed my credit report and, Ive noticed certain accounts where no reporting accurately. I was informed by the credit bureaus that the information was accurate. but that would be incorrect. Below ive left and attach files where you can see that the information is not reporting accurately XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The information on these account are not accurate. EVenb after the bureaus stated they were validated
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I had 4 accounts with Truist Bank. They were frozen two years ago during the merge due to fraud. Trust charged my accounts monthly fees until two of them were XXXX  out. I went to a branch to get the funds and they told me they couldn't get my money back??? I still have an account with {$1300.00}. In it that I can't access.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (NV)

Im a Victim of fraud, my identity was exposed on the XXXX XXXX from the XXXX Equifax data breach and the XXXXXXXX XXXX  breach. I demand this account be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over XXXX points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting.
Consumer complaint received 2022-12-21
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. (NV)

XXXXm a Victim of fraud, my identity was exposed on the XXXX  web, from the XXXX XXXX XXXX breach and the TransUnion data breach. I demand this account be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over XXXX points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Submitted identity theft report. 
Update my information to all XXXX credit platforms.Information should read XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no other allies Requested name variations outside of name listed above be removed. 

Requested all soft and hardinquiries be removed from credit profile Request all inaccurate information about my accounts be removed Request proof of debt from all collection debtors on my credit profile
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As XXXX student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : TransUnion # XXXX ; XXXX # XXXX ; XXXX # XXXX. 

TransUnion ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XXXX. XXXX did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All XXXX XXXX account were removed now reinserted. 

XXXX ( File Number # XXXX ) Is stating the XXXX account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again XXXX is the only account reporting this information. In addition ; XXXX is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XXXX for XXXX because they would not correct someone credit report. I close on the XXXX of XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT REPORT.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Ulta/Commenity capital bank make fraudulent charges, fees and interest to my account after Ive made multiple final payments over the phone, last payment made XXXX XXXX to clear the account and even received a confirmation number and was told I would get a receipt in the mail. I received an even bigger statement in the mail without my payments being applied. The payments were never applied or cleared and I asked the supervisor to go back through the recorded calls on that day but they refused and are charging me even more money and refused to solve the issue. I was told my account would be cleared and closed and it is unusable, but they still make expensive charges to it without my knowledge since the phone call.