davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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. (LA)

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, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number:XXXX**, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, I went to my local credit union to take out a personal loan to avoid interest on my Wells Fargo credit card. The interest was to begin on the XXXX of XXXX. We finalized the loan on the XXXX of XXXX and had the letter sent to Wells Fargo, which was to be there over night. The amount to Wells Fargo was {$3200.00}, to bring my account to a {$0.00} balance. 

I spoke with an associate at Wells Fargo on XX/XX/XXXX, who said that my letter was sent to the wrong building at Wells Fargo, and that in forwarding the letter with the personal loan check would not be deposited in time. Thus I am stuck with the remaining {$1500.00} in interest because of a problem on their behalf. 

I called back and spoke with a manager named XXXX, whom said a record didn't exist of me calling previously and the letter with my check was just late. Also he said they could take off {$300.00} of the interest, but since it was my fault I am stuck with the remainder. 

Because of a mistake they made, I am now stuck with a personal loan of {$3200.00}, and interest to Wells Fargo of {$1500.00}. This is unacceptable and no one at Wells Fargo wants to assist me.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Ditech Financial LLC (MI)

I applied for Loan Modification due to financial hard ship in XXXX 2016. And submitted all he required documents, ( again again they are asking me pay stubs and bank statements which I upload on there web site and mail them at least 20 times ( I documented ). Every once in a month I got call from my case assigned your application in process, Till noe never received any positive response. 
Thanks XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency.
Consumer complaint received 2023-06-15
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. (NC)

i have a total of 24 inquiries i did not authorized in short it was not me! And i have 2 accounts that i want it deleted immediately becuase i have no financial obligation! i when i contact the credit bureau i was ask to submit a report here and add the needed letters and documents so place since i have taken my time to do this can you also take a time to review and submit this.
Consumer complaint received 2024-03-25
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. (SC)

To Whom It May Concern, Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I do not have a contract and I did not share my personal information with XXXX XXXX XXXX trying to collect and report on my credit report. They did not provide me with the original contract as I requested. I am writing to inform you of my rights and obligations under 15 USC 6802 regarding the disclosure of my personal information. As a consumer, I have the following rights and responsibilities : 1. Right to Know : I have the right to know what personal information about me is being collected, used, and shared by financial institutions. 
2. Right to Opt-Out : I have the right to opt-out of the sharing of my personal information with non- affiliated third parties.

3. Obligation to Protect Information : I have the obligation to take reasonable steps to protect my personal information from unauthorized access and disclosure.

4. Right to Access : I have the right to access my personal information held by financial institutions and to correct any inaccuracies.

5. Right to Limit Sharing : I have the right to limit the sharing of my personal information for marketing purposes.

6. Obligation to Notify : I have the obligation to notify financial institutions if my personal information changes or if I believe it has been compromised.

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items from my credit report. It is my understanding that you will verify this information with the relevant creditor. I kindly ask you to remove any information that the creditor is unable to verify. Please be advised that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, I request an updated copy of my credit report to be sent to the aforementioned address, as the act dictates that there should be no charge for this updated report. 
Thank you for your attention and assistance in resolving this matter.
Consumer complaint received 2023-08-02
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. (PA)

On XXXX XXXX XXXX XXXX  ran a hard inquiry on my personal credit report with Transunion. Prior to applying for a checking account, I called and was told that a soft inquiry would be ran
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following XXXX loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all XXXX XXXX the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (IN)

Supposedly I had a private loan with Wells-Fargo, It looks like now they have given that loan to XXXX. But when I look on my credit report it shows that I still owe both Well-Fargo and XXXX. When I called to speak with a representative at XXXX they there was nothing they could do to remove the old loan and to call Well-Fargo. After reaching out to Wells-Fargo they told me they no longer have the loan and there was nothing they could do so I needed to reach out to XXXX. I told the rep that I had already done so and I was told to reach out to them, the Wells-Fargo rep said unfortuantely there was nothing they could do and that my credit report should not still show the information that it is currently showing. I have hit a dead spot with wells-Fargo.
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Violations 15 usc 1692C 15 U.S.Code 1692b ( 2 ) 1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication.

15 usc 1692D 15 U.S.Code 1692g ( a ) 1692g ( a ) - This does not validate a debt. This simply is requirement on the debt collector.

Version 2.

AFFIDAVIT Notice, it is a fact, MY CLIENT has reason to believe and do so believes no written notice was received within five days of the initial communication between XXXX XXXX XXXX and MY CLIENT the affiant as, the first communication received from this debt collector was on the affiants consumer report with proof shown in PICTURE. This debt is unverified, does not follow the requirements and is a violation of 15 U.S.Code 1692g.
Consumer complaint received 2023-05-18
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. (MD)

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. The accounts are listed below : XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1300.00}, XXXX XXXXXXXX XXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed : {$120000.00}, XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX Balance Owed : {$2700.00}
Consumer complaint received 2024-03-04
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-15
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. (IN)

I have disputed the new collections account with XXXX. Letting them know that I had already filed a complaint with CFPB about XXXX. They ignored my dispute immediately and even when I submitted proof refused to do anything about it.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is governed under 15USC 1681, And they violated my rights numerous times. I demand the accounts listed below to be vanquished from my report because... According to 15 USC 1681 I have the right to privacy and did not give permission to Equifax to apply these accounts to said report. [ 1 ] ComenityCapital/AAARewards- 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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 U.S.C 1681. 

ACCT Name : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ( XXXX ) ACCT Name : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ( XXXX ) ACCT Name : XXXX ACCT # XXXX 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 2015-07-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (NC)

In XXXX an account was opened in my name under false pretense by someone using fraudulent information. The person took the money and ran. I reached out to bank for assistance in getting resolve but they were only concerned about getting paid. In fact their only solution was to put me on a repayment plan with a higher interest rate until the debt was paid. They knew about the scam because of other victims but never offered to help. In XXXX a judgment was awarded against me. At the same time the bank was suing the person who scammed me for the same loan. In XXXX the scammer plead guilty but NFCU still came after me for the money. All of my attempts for resolve were forwarded to their attorney who only allowed for a repayment plan. Today I still suffer from the effects of this mentally and financially.
Consumer complaint received 2023-03-04
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. (FL)

On or around XX/XX/XXXX I requested that transunion, XXXX and XXXX correct the erroneous demographics on my credit report, namely wrong address and names. I received an email that this information had been removed but upon checking, today XXXX the information still stands uncorrected as follows. 
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 These addresses and names ha e no connection to me and need to be removed according to the FCRA
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, 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 an account without my written instruction.
Consumer complaint received 2023-03-04
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$79.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$91.00} XXXX XXXX Balance : {$51.00} XXXX XXXXXXXX Balance : {$76.00} XXXX XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AV XXXX XXXX XXXX CA XXXX XX/XX/XXXX
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I have got a horrible run around from PHH mortgage, they have taken XXXX dollars from me in modifications but when it comes to the final modification documents they deny it every time. 

The house is scheduled for foreclosure on XXXX and I have been nothing but scammed by this company. 

I need to do whatever I can or get whatever help I need to stop this. 







PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I noticed on my credit report a hard inquiry of XXXX XXXX for months ago and I would like to dispute it since its a closed account, paid off, and not in use anymore please and thank you
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (OH)

I made a post on the company 's XXXX page. I was contacted by an employee named XXXX XXXX who works for CrossCountry Mortgage on his personal account. He proceeded to ask me for my loan information and other details which I was not comfortable with. I blocked him on XXXX. He proceeded to post screenshots of our conversation in a XXXX XXXX called " XXXX XXXXXXXX XXXX XXXX. '' I unblocked him and asked him to remove this post, he blocked me. I have reached out to CrossCountry Mortgage to inform them of the situation and never gotten a response. They violated my right to privacy and XXXX XXXX overstepped because he is not capable nor qualified to handle the situation I am facing. The company lied to me as well about recasting my mortgage payment and removing my PMI.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

BANK OF AMERICA HAS CLOSED MY ACCOUNT BECAUSE THEY NO LONGER WORK WITH XXXX BUT XXXX CLEARLY STATED THAT WE WOULD BE ABLE TO USE THE CARD UNTIL XX/XX/2022 IM UPSET BANK OF AMERICA LIED AND TRIED TO SAY XXXX CLOSED MY ACCOUNT BUT A REP FROM BANK OF AMERICA CLEAR AS DAXXXX STATED THAT IT WAS BANK OF AMERICA NOW THIS BANK WANTS ME TO REVERIFY MYSELF THROUGH XXXX XXXX IS STATED THAT I SHOULD BE ABLE TO WALK INTO A BRANCH TO RECEIVE MY FUNDS FROM THIIS BANK BUT BANK OF AMERICA IS SAYING THEY CANT DO ANYTHING UNTIL I VERIFIY MYSELF MY BALANCE IS STILL THERE IN THE ACCOUNT I BELIEVE XXXX AND THE REP FROM THE BANK THAT BANK OF AMERICA CLOSED THE ACCOUNT WITHOUT WARNING AND I DEMAND IT TO BE REOPENED NOW I NEED MY FUNDS NOW YOU HAD NO RIGHT TO FORCE CLOSE ANYTHING MY FUNDS ARE IN THERE AND I HAVE CLAIKS STILL
Consumer complaint received 2023-09-05
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: Kikoff Inc. (PA)

I have requested on multiple occasions for Kikoff Lending to close my account. They have not closed it, but instead reported negatively on credit bureaus. I requested this account be closed because I can not afford it. It's not a loan. You pay them money on a monthly basis and they report positive to credit bureaus. I've tried to close the account on my own and it won't let me log in even after changing my password, but instead tries to make me open a NEW account, then tell me my information is already associated with another account. Customer service told me they could not vetify my account.
Consumer complaint received 2024-03-25
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. (WI)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.