davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-17
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. (IL)

I became delinquent on a private student loan through XXXX XXXX XXXX XXXX in XXXX and this resulted in a charge off of my account. The account was forwarded to a third party agency, XXXX XXXX, XXXX. I completed a settlement agreement with the agency for a total of {$8100.00} and a letter confirming the settlement was sent to me on XX/XX/XXXX. In XX/XX/XXXX, I discovered this was incorrect on my credit report and spoke to a XXXX XXXX representative and they informed me this would be corrected. On XX/XX/XXXX, my husband and I made the decision to review our credit reports and discovered the account was still reflecting as past due on both our XXXX and Transunion accounts, so we submitted disputes to both companies with a copy of the settlement letter. During the investigation, XXXX XXXX stated the information they were reporting was correct and even changed the transunion report to reflect as a full balance of {$9300.00} was due, but only on my husband, XXXX XXXX XXXX report. I reached out to the bureaus to discuss and they informed me they can only report what the company provides them, regardless if my document provided proves otherwise. I reached out to XXXX XXXX XXXX XXXX on XX/XX/XXXX and was informed they would investigate, but the account would reflect as open because it had become charged off, regardless of a settlement agreement. I disagreed with the representative and she informed me she would submit my account for review and return my call the following Monday, XX/XX/XXXX. I never received a phone call from the representative or XXXX XXXX.
Consumer complaint received 2022-04-17
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. (TX)

In accordance with the Fair Credit Reporting Act 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 instructions.
Consumer complaint received 2022-04-17
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)

XXXX XXXX XXXX Acct # XXXX Below is a letter from XXXX XXXX stating to contact the credit bureaus to remove this account. The account is still showing on my credit report
Consumer complaint received 2022-04-17
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. (IL)

I became delinquent on a private student loan through XXXX XXXX XXXX XXXX in XXXX and this resulted in a charge off of my account. The account was forwarded to a third party agency, XXXX XXXX, XXXX. I completed a settlement agreement with the agency for a total of {$8100.00} and a letter confirming the settlement was sent to me on XX/XX/XXXX. In XX/XX/XXXX, I discovered this was incorrect on my credit report and spoke to a XXXX XXXX representative and they informed me this would be corrected. On XX/XX/XXXX, my husband and I made the decision to review our credit reports and discovered the account was still reflecting as past due on both our Equifax and XXXX accounts, so we submitted disputes to both companies with a copy of the settlement letter. During the investigation, XXXX XXXX stated the information they were reporting was correct and even changed the transunion report to reflect as a full balance of {$9300.00} was due, but only on my husband, XXXX XXXX XXXX report. I reached out to the bureaus to discuss and they informed me they can only report what the company provides them, regardless if my document provided proves otherwise. I reached out to XXXX XXXX XXXX XXXX on XX/XX/XXXX and was informed they would investigate, but the account would reflect as open because it had become charged off, regardless of a settlement agreement. I disagreed with the representative and she informed me she would submit my account for review and return my call the following Monday, XX/XX/XXXX. I never received a phone call from the representative or XXXX XXXX.
Consumer complaint received 2021-02-19
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)

In relations to complaint number XXXX that I submitted on XX/XX/XXXX, I received an email from CFPB on XX/XX/XXXX stating, " this complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' But Experian, you sent me an email on XX/XX/XXXX at XXXX stating that you all are still working on my dispute that I submitted on XX/XX/XXXX ( please see attachments ). I knew the account I disputed on XX/XX/XXXX was closed because you ( Experian ) claim it came back verified as accurately ( please see attachment ). That made me check my Experian account which is when I discovered that XXXX has now been re-opened after you ( Experian ) saw my complaint on XX/XX/XXXX. 

This concludes that you definitely recognize me as a customer and is blatantly avoiding fixing the errors on my credit report. So, how is it that you recognize me as a customer for XXXX but totally ignore the same complaint for a different account with XXXX XXXX XXXX XXXX?
Consumer complaint received 2022-04-17
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. (GA)

XXXX XXXX The creditors on my credit report is all incorrect and I wish to have everything removed due to the companies XXXX XXXX and selling my information
Consumer complaint received 2015-08-25
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

i was contacted from XXXX who left a message stating that they were a process server which would attempt XXXX last time to serve me at my residence ( which I no longer live at ) and also at my place of employment and that if I was unable to be served would report to my county court. If I had any questions to call the debtor at XXXX and give the ref #. I called and was transferred to several people before I got to XXXX XXXX whose direct phone number is XXXX and offered me a settlement amount of {$450.00} as a onetime payment by the end of the month on a balance of {$610.00} or he could divide the payment into XXXX equal payments for a total of {$610.00}. I asked XXXX how did I know that once the money was paid they would not proceed since It was already supposed to be turned over to the county. He claimed that he checked a national database where there had been no filing to the county court to place a judgement and that as long as payment info ( debit, credi card or prepaid credit card ) was placed on file he could stop legal proceedings and the entire {$450.00} had to be paid by XXXX/XXXX/15. I advised XXXX I would not make any settlement without being provided with something in writing. so I was emailed a letter stating that the balance due was {$1200.00} with a settlement offer of {$450.00}. Not the initial {$610.00} that he stated multiple times over the phone.
Consumer complaint received 2023-10-19
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I was listed on Social Security XXXX XXXX XXXX database as deceased. 

Some how I discovered email and text alerts from XXXX that reported inaccurate data to XXXX, Equifax, which had inaccurate accounts open, inquiries from XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  's on my credit file accounts. 

I had to contact XXXX XXXX XXXX Bankruptcy court and the XXXX sent a letter denying the fact they sell information to Credit reporting agencies and mailed me a letter. 

I mailed XXXX certified letters to XXXX and the data mining company aplogized and removed XXXX XXXX XXXX do to inaccurate reporting. XXXX and Equifax have NOT removed the XXXX XXXX under a different name. 

I have a police report and a signed XXXX from FTC for Identity Theft. I mailed both XXXX and Equifax the documents from Social Security XXXX that my Social Security number was used as Identity Theft under false pretense. 

I am requesting that the XXXX XXXX XXXX concerning Bankruptcy be DELETED and my name is correct in my credit accounts according to REAL ID ACT involving that correct spelling of my name on my state Drivers License, legal Name Change, Police Report, FTC Affidavit Notarized, and Social Security XXXX letter showing my SSN was used as Identity Theft, which is a federal crime. 

So far, both XXXX and Equifax REFUSED to delete inaccurate reporting information that is affecting my credit file to obtain credit. 

I discovered CFPB is suing XXXX for this very reason violating my Consumers rights selling my private data and reporting Public Records and my first and last name inaccurately causing a hardship to obtain Consumer family and household credit from lenders.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Xtreme Products LLC (GA)

I paid my student loan off in XXXX, with XXXX  college. The credit report never had XXXX  college on it until I stated what college I attend now all of a sudden I owe them to. XXXX  college is a closed school due to fraudulent loan accounts. Its other schools on my report that I have no idea of and never attended, also theres a energy bill that is part of the identity theft case in XXXX I have tried to explain it but no one listens. Its address that I never lived at on my report, its a last name that is not mines attached to my first name. I have tried for years to despite the errors but they are forcing me to accept them. Please stop XXXX  together we have had enough
Consumer complaint received 2022-04-17
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. (OH)

Trans Union refuses to remove an account that was determined not mine. The company XXXX XXXX  verified and confirmed the account has a different last name than mine. I have submitted a copy of the letter from the company XXXX XXXX XXXX. This account has been removed from My other credit reports. XXXX has removed this account and XXXX has removed this as well. According to FCRA inaccurate reporting after investigation is an violation. It is my right as an consumer to have accurate credit reporting.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was listed on Social Security XXXX XXXX XXXX database as deceased. 

Some how I discovered email and text alerts from XXXX that reported inaccurate data to TransUnion, XXXX, which had inaccurate accounts open, inquiries from U.S. Immigration, and 2 Public Records of Bankruptcy 's on my credit file accounts. 

I had to contact XXXX U.S. District Bankruptcy court and the Clerk sent a letter denying the fact they sell information to Credit reporting agencies and mailed me a letter.

I mailed USPS certified letters to XXXX and the data mining company aplogized and removed 2 Public Records do to inaccurate reporting. TransUnion and XXXX have NOT removed the Public Records under a different name. 

I have a police report and a signed Affidavit from FTC for Identity Theft. I mailed both TransUnion and XXXX the documents from Social Security Administration that my Social Security number was used as Identity Theft under false pretense. 

I am requesting that the 2 Public Records concerning Bankruptcy be DELETED and my name is correct in my credit accounts according to REAL ID ACT involving that correct spelling of my name on my state Drivers License, legal Name Change, Police Report, FTC Affidavit Notarized, and Social Security Administration letter showing my SSN was used as Identity Theft, which is a federal crime. 

So far, both TransUnion and XXXX REFUSED to delete inaccurate reporting information that is affecting my credit file to obtain credit. 

I discovered CFPB is suing TransUnion for this very reason violating my Consumers rights selling my private data and reporting Public Records and my first and last name inaccurately causing a hardship to obtain Consumer family and household credit from lenders.
Consumer complaint received 2022-04-17
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. (WA)

XXXX credit reports are different when compared with my XXXX and transunion is completely different compared to other two. 

I do not have any closed accounts and still these credit reporting companies show as closed accounts Transunion - inaccurate information on my credit XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - inaccurate information on my credit report XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - inaccurate information on my credit report XXXX. XXXXXXXX XXXX
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (IL)

Opened a XXXX XXXX XXXX XXXX  card online and shipped to home. Tried activating it ( Account XXXX : XXXX ), submitted driver license via upload. Company denied activation for vague reason " We received your documents ; however, after further review we have determined that this new account can not be activated. According to our records, you had previously opened an account which has been closed. We can not proceed with the activation of this new account or reopen a closed account. '' I followed up " I never had an XXXX XXXX card. 

Please 1 ) Provide all details for the denial, including any information regarding prior cards you believe I have held.

2 ) Regarding any prior cards you believe I have held, please provide the exacts details of the closure and why relevant to opening this account.

3 ) Please provide a copy of the terms and conditions which give legal justification for not activating the account.

Please have compliance investigate and open the account after view or provide the details requested. '' There was a non-response the could not help and refused to investigate. The company has false information or obfusfacting to deny an actual investigation or providing information. This appears to be in violation of the law.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

New Information to Complaint # XXXX. We applied for a loan on XX/XX/2020 and spoke with XXXX XXXX who appeared to be collecting our qualifying information. He took our tax returns, check stubs, and driver 's license. He was typing on the computer our information it seems. XXXX XXXX 's response to us ; " we needed a co-signer ''. We had credit scores of XXXX with {$8400.00} net monthly income, in addition, we had just sold our home and was wanting to put down $ XXXX {$100.00}. We discovered there was no documented record of our application or credit report request to verify credit history. 
XXXX XXXX assisted in confirming we did meet with XXXX XXXX who in turn pre-qualified us and deemed not worthy of the qualifying process.
Consumer complaint received 2022-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (WA)

Your Wells Fargo card has shipped Wells Fargo Online Sat, XXXX XXXX, XXXX XXXX  ( XXXX hours ago ) to me Wells Fargo logo Your new card is on the way We have shipped your new Wells Fargo Debit Card ending in XXXX. This replaces your Debit Card ending in XXXX. 
You're receiving this new card because you recently requested a replacement card. 
Your new card will arrive in 5-7 calendar days in a white envelope with the Wells Fargo logo in the upper left hand corner and a XXXX XXXX XXXX SD return address. 
Front Image of Envelope Wells Fargo Debit Card Envelope For your protection, please activate your card right away when you receive it. Follow the instructions on the sticker attached to your card. 
If you don't receive your card within 7 days, please call XXXX XXXX XXXX XXXX. Phone Bankers are available 24 hours a day, 7 days a week. 
Thank you. We appreciate your business. 
Sincerely, Wells Fargo Debit and Prepaid Cards wellsfargo.com | Security Center | Contact Us Please do not reply to this email directly. 
XXXX XXXX XXXX XXXX XXXX PM ( XXXX XXXX ago ) to Wells gee thanks, after my account has been : LOCKED for 3 weeks and I just learned that once I posted my NEW ADDRESS in XXXX in place of my OLD MAILING ADDRESS XXXX XXXX, WA XXXX that I now learn that as of XX/XX/XXXX WELLS FARGO DOES NOT DO ANY INTERNATIONAL ONLINE BANKING. Then, why?, I might ask, did they say in a recent letter dated XX/XX/XXXX that the reason my account was locked on XX/XX/XXXX was because I " went over my online wire transfer limit ' which was never true because I was told I had a {$75000.00} limit and had sent {$25000.00} successfully to my wife 's account here in XXXX. 
And I followed directions ( only one per 24 hr period, {$25000.00} daily limit ) waited a few days to send the 2nd one for {$25000.00} but suddenly it was locked, not once but twice and since then ( XX/XX/XXXX ) my account has been in the " Fraud Department '' which can only tell me " you must return to a US branch to resolve the issue '' i.e prove my identity with a driver 's license in person before my money can be released. 

So now, since I received the " new information ' I am being instructed to get a notarized 'Request for Closure Form '' at the XXXX XXXX in XXXX XXXX cost {$250.00} incl airfare etc ), express mail the original to the bank address in the XXXX and then wait for a phone call from a bank rep to set up the wire transfer of all remaining funds in my WF account ( {$39000.00} ) to my XXXX XXXX  in XXXX  XXXX 
XXXX XXXX XXXX cell : XXXX PS I am living in XXXX XXXX with my XXXX  wife since XX/XX/XXXX The reason I set up the online account was to transfer money from my XXXX XXXX XXXX in XXXX, WA to a major bank that does Internaional money transfers so I can purchase a home here. Everything is on hold until this matter is settled and I have the needed funds which XXXX has held XXXX now for the past 3+ weeks.
Consumer complaint received 2022-04-17
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. (CA)

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. 

XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  # 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 instructions.
Consumer complaint received 2022-04-17
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. (GA)

XXXX 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 2022-04-17
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. (GA)

XXXX 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 2022-04-17
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. (WA)

XXXX  credit reports are different when compared with my equifax and XXXX is completely different compared to other two. 

I do not have any closed accounts and still these credit reporting companies show as closed accounts XXXX  - inaccurate information on my credit XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - inaccurate information on my credit report XXXX. XXXX XXXX XXXX. XXXX XXXX  Equifax - inaccurate information on my credit report XXXX. XXXX XXXX