davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
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. (FL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX  ************ {$9000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX XXXX*************** - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Mortgage # XXXX. 
Fifth Third Bank To Whom it may concern : Our mortgage loan went into servicing on XX/XX/21. Shortly after in XXXX starting on the XXXX, we made several large principal only payments to get our loan to value down in order to drop PMI. See list of dates below : XXXX {$20000.00}. XXXX {$20000.00} XXXX {$40000.00} XXXX {$40000.00} XXXX {$40000.00} Once we completed our last large principal payment, we contacted the customer service line to request the XXXX  be removed. The agent told us that XXXX was a credit and would automatically be removed. After the XXXX did not automatically fall off, we reached back out to the mortgage offices that did our loan last year. She instructed us that we need to request XXXX to drop. As a consumer, I had no idea of the process or how to get the charges to drop. As a consumer, I am seeking a refund of {$610.00} which were overpayments due to a very tricky process of managing or removing the XXXX.
Consumer complaint received 2022-01-21
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. (CA)

All three credit bureaus are showing wrong addresses My current addresses as of XX/XX/2022 are - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX XXXX, CA XXXX My old address is ( XXXX ) XXXX XXXX XXXX, XXXX, CA XXXX My correct " and only '' phone number ( XXXX ) XXXX This address fiasco is not being corrected by XXXX, XXXX and Experian .... causing me a lot of problems in opening an online savings account
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

When I moved in a renter to my home I asked that all correspondence go to my new address except the mortgage payment. They were sending the notice that Wells Fargo was paying the taxes unbeknownst to me. The renter was to be paying the taxes, and was lying about paying it. 
Also that it was always late, and there were multiple late fees which went against my credit. The bank was dealing with the renter, not me. 
When I went to sell it I didnt realize on the 2nd mortgage there were additional monies owed, and the realtor said it was up to me to know. I ended up having to pay {$12000.00} to the buyer because I was never notified that Wells Fargo was paying the taxes.
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (NV)

In XX/XX/XXXX I refinanced my auto loan with Ally to XXXX XXXX XXXX. XXXX XXXX XXXX got a pay off amount from them and my XXXX XXXX over nighted the pay off check to them. I received a letter from Ally in XXXX XXXX stating " thank you for your paying off your loan '' and they released the title to XXXX XXXX XXXX Come XX/XX/XXXX Ally gets in contact with me and states that i have a passed due balance. They have reported to XXXX XXXX  at XXXX days late. The balance was paid, the title was released, and i didnt hear from them until months later stating the account still had a balance. I have received threatening letters stating they will repossess the vehicle. They had reported it previously as paid in full and then have not reverted it back.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

All three credit bureaus are showing wrong addresses My current addresses as of XX/XX/2022 are - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXXXXXX, XXXX XXXX, CA XXXX My old address is ( XXXX ) XXXX XXXX XXXX, XXXX, CA XXXX My correct " and only '' phone number ( XXXX ) XXXX This address fiasco is not being corrected by XXXX, Equifax and XXXX .... causing me a lot of problems in opening an online savings account
Consumer complaint received 2024-01-31
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. (NC)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

, Trans Union, XXXX, and 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 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 or 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 data is inaccurate.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

Sold property XX/XX/21 mortgage paid in full. Debit from escrow account was logged XX/XX/21. Check had not been received as of XX/XX/21. After contacting XXXX XXXX mortgage servicing division I was told the check was mailed by one representative and that I must wait 30 days before requesting a replacement, the next representative claimed the check had not been mailed yet and would take up to 60 days to receive.
Consumer complaint received 2023-02-11
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 2020-01-08
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: Experian Information Solutions Inc. (IL)

On or about XX/XX/2019 I notified : XXXX, XXXX, and Experian about fraudulent unauthorized accounts on my account via a dispute. XXXX and XXXX  did fix some of the errors. However, Experian did not remove any of the errors on my report. I went on to submit a second round of request in XXXX of 2019. Again, XXXX  acknowledged the errors and removed some of the unauthorized accounts. However, Experian did not take any actions and all of the unauthorized accounts remained on my report. In XXXX  0f 2019 I disputed the information under the 609 FCRA act. The bureaus did not accurately identify the information on my report. In not verifying the information on my report, the bureaus : Experian, XXXX, and XXXX  left the inaccurate information on my reports. In regards to the dispute, one creditor went as far as to send me a bill as verification. The bureaus took the document as validation. As I understand, bills do not validate that the account is mine. They only verify that an account was in fact opened in my name. However, they were not opened by me.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my first XXXX to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2023-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (UT)

This email is intended to report Wells Fargo involvement in a fraudulent transaction back on XX/XX/XXXX, in the amount of {$14000.00}. 

A Wells Fargo banker name XXXX XXXX had advised me several times that I could qualify for a HELOC, and I would have small payments, Which I declined every time he offered me this HELOC. On XX/XX/XXXX, I was approached again by mention banker " XXXX XXXX '' regarding a HELOC, and then I decided to request a HELOC in the amount of {$10000.00} which it was approved and deposited into my Wells Fargo checking account. 

In XXXX of XXXX, I was in the process of selling my house, and i noticed that my HELOC unpaid principal balance was still {$9800.00} " Approx. '' I went to the Wells Fargo branch, and I was told that it was accurate, they brought up to my attention about the " suppose '' HELOC that was processed on my behalf " UNAUTHORIZED. '' I proceeded to file a claim with Wells Fargo and waited for their investigation outcome. 

Weeks after, Wells Fargo responded and made me aware that on XX/XX/XXXX, there was a HELOC application in the amount of {$14000.00}, the application also had a co-borrower named " XXXX XXXX '' which I have no relationship nor involvement what's so ever with mentioned person. Wells Fargo also provided documentation where the HELOC application was signed by this individual and me " supposedly '' and for Well Fargo convenience, it was notarized by same banker that processed the HELOC application " XXXX XXXX. '' On that document, you can clearly see that my signature does NOT match my actual signature, I made Wells Fargo aware of this and their excuse always is that it was notarized by a Public Notary. Wells Fargo has not provided records or proof of this funds being paid out either by check, cashier 's check or direct deposit just like the actual and legitimate HELOC that was processed on XX/XX/XXXX, for the amount of {$10000.00}. 

Wells Fargo banker " XXXX XXXX, '', their Public Notary, processed a HELOC application for the amount of {$25000.00} when I had only requested {$10000.00}. Their intention was to pay off the UNAUTHORIZED and FRAUDULENT HELOC created on XX/XX/XXXX, in the amount of {$14000.00}. Therefore, the amount deposited into my account was {$10000.00} after the fraudulent HELOC was paid off. 

It's unethical and no fair for me as a consumer that Wells Fargo is trying to take advantage of me as a consumer for their own benefit. It is also OBVIUOS that their own Notary/Banker processed and notarized all documents such as applications and everything else.
Consumer complaint received 2024-04-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

I move out of an apartment that I leased for one year. Never missed a payment and never late with a payment. Upon leaving I had the apartment thoroughly cleaned. Two to three week after leaving I received a call that the tile flooring had been damaged by me and there was some ridiculous charge for it. I told them that the scoffing on the floor was there when I moved in. The recliner and coffee table I had in that room both had fabric padding under each leg. The manager person that was there when I left was not the same manager there when I moved in. Also I still have not received my deposit that was made when I moved in.
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (NY)

Subject : Formal Complaint Regarding Lending Discrimination at TD Bank I am writing to bring to your attention a distressing matter regarding the discriminatory lending practices I experienced at TD Bank. As a customer of TD Bank, I recently applied for a loan and encountered what I believe to be discriminatory treatment based on race and gender. 

During the loan application process, I noticed disparities in the treatment I received compared to other applicants. These differences appear to be unjustified and rooted in discriminatory practices, which are not only unacceptable but also illegal under applicable laws and regulations. 

The experience left me deeply concerned about the integrity of TD Bank 's lending practices and the potential impact of such discrimination on customers. I believe in fair and equal treatment for all individuals, and any form of discrimination goes against these values. 

I kindly request a thorough investigation into this matter to address the discriminatory practices within the lending department at TD Bank. Furthermore, I urge the implementation of corrective measures to prevent such incidents in the future and to ensure that all customers are treated fairly and equally. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and equality.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Bank investigating fraud that I reported. Holding my funds with no given time frame for returning them. Not responding to my requests for returning my money even though I supplied them with accurate information regarding my wire transfer which was legal and legitimate. They say they are investigating but I have no idea why as all the information re the wire transfer has been supplied to them. They stopped banking with me but will not return my funds.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (FL)

I have disputed the attached account multiple times and have reached out to Onemain to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. The account is reporting incorrect information, this account has been paid in full. I made contact with Onemain to make the correction, they said they would correct it but did not.
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (IL)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2024-09-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (FL)

I am writing to urgently address the untenable situation I find myself in regarding the interest rates on my accounts. The current rates are excessively high, and despite my efforts to negotiate a more manageable agreement, I have only been presented with options that prioritize interest payments over reducing my principal balance. 

I hold both a credit card and a credit line with your institution, and the lack of assistance during this challenging time is disheartening. Every payment I make on my credit card takes up to XXXX business days to reflect on my available balance, and without notice, my available credit is consistently reduced. This not only prevents my payments from effectively lowering my principal but also results in my account appearing over the limit, further complicating my financial situation. 

I am unable to sustain payments that primarily serve to fulfill interest obligations without making progress on my debt. I urge you to reconsider my case and explore more equitable options that would help me manage my debt more effectively. A prompt resolution to this matter is crucial for my financial stability. 

Thank you for your attention to this pressing issue. I look forward to your swift response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-01
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: Experian Information Solutions Inc. (MD)

I submitted a disputed to all three credit bureaus against XXXX XXXX open balance of {$65.00} in XXXX. XXXX XXXX XX/XX/2021 XXXX immediately removed outstanding amount from Credit Report however XXXX  and Experian came back that the amount was valid. I proceeded to submit ( XX/XX/2021 ) the dispute report from XXXX  and XXXX  is currently researching for over 30 days and Experian came back that the amount was valid. I attempted to resubmit a dispute to Experian and I was not allowed as it was determined that the matter was closed. I then waited a few days and submitted another dispute with the XXXX XXXX report and a copy of the money order ( XX/XX/2021 ). Immediately I received an email that the dispute was valid. I proceeded to call Experian where I was repeatedly asked what new information did I have available. I asked the representative what additional information would be needed than proof that another credit bureau found the information needed to be removed without any documentation. However I also submitted a copy of the money order. After being asked multiple times if I had additional information the representative stated they were able to see the documentation I originally submitted and hopefully the reviewers would see it and remove XXXX XXXX from my report. However I receive multiple emails from Experian that the matter is being investigated and XXXX  states it is still under investigation. There is no reason that this issue should have taken multiple submissions over 2 months. It should be resolved and the items removed.
Consumer complaint received 2024-01-31
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. (FL)

I've raised disputes regarding a particular account with TransUnion multiple times over the past 2 1/2 months. However, after each purported " investigation, '' the outcome consistently asserts the accuracy of the reported information. It is imperative to emphasize that TransUnion bears the responsibility of exclusively reporting precise and truthful information. Attached to this formal complaint are supporting documents for verification. It is truly unreasonable for me, as a consumer, to invest my time in rectifying errors made by one company through the intervention of another. So, I do want to thank CFPB for their time and dedication to holding companys like TransUnion accountable for their actions.