davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-04-14
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. (IL)

I've sent several Disputes to TransUnion, I have called them 5 times and can not resolve my unauthorized inquires through them. If you call them you can not get anyone in the United States to talk too. There reps are all over seas. I've talked to the creditors about the situation and they all tell me to contact Transunion to have them removed. Transunion tells me the opposite. I've called XXXX, and XXXX and they had no problem removing them that day.

I wish the CFPB would take over TransUnion at least our credit reports wouldn't be in the hands of people overseas. Also the CFPB actually follows FCRA.
Consumer complaint received 2021-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

On XX/XX/2019, I enter into a payment agreement with XXXX Department of Environment and protection to pay my water bill, the mortgage servicer shellpoint made on payment to DEP on my account that they were not suppose to pay. Shellpoint increased my mortgage by approximately {$2000.00} which my month payment came from {$3600.00} to {$5300.00} which make it impossible to make payment on my mortgage, I contacted the company even offer to reimburse the payment they made on my account in full, they refuse to accept my offer to pay and refuse to reinstate my account to the original monthly payment, this makes it impossible to make payment on my account.

In addition, Shellpoint did not follow federal regulations not to report negative reporting on my credit report during COVID-19 while my account is in forbearance, the company kept reporting the payments that supposed to be in forbearance as balance increase which impacting my credit severely.
Consumer complaint received 2021-03-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc. (TX)

I requested a security freeze with Sage Stream on XXXX XXXX but havent received a PIN number to unfreeze or any confirmation number. Im having a problem establishing new credit now because I cant unfreeze my consumer report with this company so my identity is hard to verify. Ive called so many times but its automated and Im not able to speak with a human. Ive even requested a replacement PIN number on XXXX XXXX.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MO)

XXXX dollars was withdrawn from my savings account with Wells Fargo from Wells Fargo location ATMS across XXXX XXXX, CA, from XX/XX/2021 to XX/XX/2021, in 5 transactions, despite me living and using my debit card during that time in XXXX XXXX, MO. My debit card was not stolen, nor did I give anyone my PIN. As soon as I realized the fraud, I filed a claim with Wells Fargo. They eventually denied the claim despite the fact that this was clearly fraud. 

I tried to reopen the claim and file complaints, but have gotten conflicting reports about whether they will reconsider it. They seem very skeptical of the fraud because my debit card wasn't stolen and I hadn't disseminated my PIN, but I also know that pins can be stolen and clone cards made. I eventually called the branches of Wells Fargo where my money was stolen, and I spoke to a helpful manager who offered to file an executive office complaint. I am still waiting to hear back on that complaint as well.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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 2023-06-05
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. (GA)

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 This account is showing inaccurate information on my credit report
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Federal Credit Control, Inc. (FL)

This account {$1200.00} company First Fede, unknown, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone ( XXXX ) was removed from my account from XXXX. Please remove this information from my credit reports. The dispute results are attach to this email for your reference. Thank you.
Consumer complaint received 2022-12-28
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXXXX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney.SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-28
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. (NY)

This is my other endeavor to tell you that I am a victim of identity theft 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 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
Consumer complaint received 2024-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not authorize any of the inquiries 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 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 2024-03-18
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Fair Collections & Outsourcing is attempting to collect a debt for unpaid rent in violation of Cal. Civ. Code 1788.66. 

I attempted to dispute the collections via XXXX dispute process but the dispute was denied for unknown reasons. 

XXXX and my previous landlord are liable for violating Cal. Civ. Code 1788.66 and I am preparing to file a class action lawsuit seeking damages and imposition of punitive damages pursuant to the code section below. 

Cal. Civ. Code 1788.62 ( ( b ) In the case of a class action, a debt buyer that violates any provision of this title shall be liable for any statutory damages for each named plaintiff as provided in paragraph ( 2 ) of subdivision ( a ). If the court finds that the debt buyer engaged in a pattern and practice of violating any provision of this title, the court may award additional damages to the class in an amount not to exceed the lesser of XXXX XXXX XXXX dollars ( {$500000.00} ) or 1 percent of the net worth of the debt buyer. ) I believe that XXXX is actively purchasing consumer debts in violation of Cal. Civ. Code 1788.66 and request that the CFPB take immediate action to provide relief to other consumers/renters who are qualified for protection as well.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

Towards the end of the underwriting process, I was told that the underwriter would not consider the income coming from my rental properties because I didnt have a years worth of rental. I told them that I had over a year of rental income from both properties. Everything was verifiable. The properties were under my name directly and I had proof of income. I believe I was discriminated against because of my race. A simple refinance shouldnt have been an issue with such a low mortgage amount compared to my income. I sent them all of my documentation and clearly explained to them all my properties and that one of my properties were free and clear from any debt. This is not right and they are making up reasons to not close on my mortgage for the low rate they had promised me.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Recently there were several hard credit inquiry on my report that were not authorized - I only agreed to a soft inquiry. The financing company said I have to dispute it with Experian and Experian said I have to call the company because they can not dispute it. 

Because both the financing company and Experian are unwilling to correct this mistake, I do not have any recourse to get unauthorized hard inquiries corrected on the report. 

The financing company who refuses to reverse the hard inquiry is below : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ( XXXX ) XXXX Please let me know what I can do about this.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-04
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. (CA)

I am making you aware of this because current law does not provide for egregious and damaging score reporting unsupported by statistical evidence. A years -long perfect credit history recently was marred by a mistake by an ex spouse still with an open shared account for which she is responsible. 

The resulting delinquency resulted in a FICO drop of over 100 points. There can not possibly be any statistical or actuarial evidence that this represents actual credit risk. 

I intend to file against the credit reporting companies regarding this if it's not corrected, and want you to note this is an XXXX. 
======================================================
Consumer complaint received 2022-01-31
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. (CA)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Company Involved : Experian Company Number XXXX XXXX On XX/XX/2021, I waited ( was on hold ) for 20 minutes, and then an agent that identified herself as XXXX answered my call XXXX After realizing that one of the disputes I had needed to be taken up with the Fraud dept, we continued with correcting my personal information. 

As I questioned her about the new information that appeared on my account in just a day after talking to them to correct other information, and she told me I had to have provided it to them, and I told her I did not, and that I would like to understand how new incorrect Phone Numbers have now appeared after she ( I spoke to an agent on XXXX, XXXX ) removed the other incorrect numbers. Well, XXXX must've not liked my questions, so she tells me that she was going to transfer me to the Fraud line, and after they help me with that, they can then help me with my other disputes also, next thing I know I'm back listening to hold music. 

So after someone answered the phone, and said his name was XXXX, I explained to him that after he helped me with my fraud dispute, I would like to speak to a supervisor, because what XXXX did was totally unacceptable, well my phone is just dead air. XXXX never replied, never spoke again, and I am still connected as I found this site and have typed this Comment. 

Also, just a company telling the XXXXredit Reporting Company, " Yes, it's correct '' is not enough. They should provide a copy of the paperwork to the reporting Agency once an item is disputed, and the customer should be able to review the documents. 

I know for a fact it is impossible for the debt to be mine. I am a 100 % XXXX vet that have not been to a doctor outside of the VA network in 10 years, but two of the disputes are from original Debt from a Hospital.
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2021 I attempted to make a monthly payment on my Chase credit card by phone. The Chase representative informer me the payment went thru and the {$74.00} would be applied to my account that day. I was advised at a later date the routing # of my bank was incorrect and the payment was reversed thus resulting in a late charge. I subsequently paid the {$29.00} late charge and {$1.00} interest charge along with the payment. I would like to have the late charge refunded to my credit card since Chase informed me the payment I had made by phone on was made with no problem. JP Morgan Chase verified the check was # 's were accurate. 

Thank You
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Cardinal Financial Company LP and or XXXX was never authorized to pull my credit. Please see the attached pdf that does not provide concrete evidence that I approved this credit pull. Once you review the attachment, have Cardinal Financial Company LP and or XXXX provide proof that I authorized a credit pull. When Cardinal Financial Company LP and or XXXX fails to provide concrete evidence that I authorized a credit pull, please remove their credit pull from all credit bureaus.
Consumer complaint received 2022-12-28
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. (GA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. In addition, I am including more accounts below there appear to be new accounts that are reporting erroneously. 
XXXX XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX  XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$420.00}
Consumer complaint received 2022-12-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I recently read what happened with XXXX. I don't expect to get anything from them as they stole our house back in XXXX. I assume the statute of limitations was up a long time ago and it never occurred to me that anything could/would ever be done to them. I do want you to know that they were pulling that kind of nefarious stuff back then as well. 

In XXXX, we had a house in XXXX XXXX, CA and our VA mortgage was through Wells Fargo. After my husband was laid off from his job, we tried to get a loan modification until we could get things straightened out. They told us that in order to help, we needed to stop making payments and that they'd then be able to help ... and that they'd tbe able to give us credit and lower our payments and we wouldn't owe back payments. So we spent the little money we did have feeding the kids and paying for gas for my husband to get to interviews. 

They strung us along for months. My husband had just started a job overseas where he would be making enough to easily pay the mortgage, and I was in constant contact with XXXX by phone. I arrived home from picking up my son from school one day only to find a foreclosure notice on the front door. I called AGAIN and they said they were " sorry '' but that there was nothing I could do except maybe a short sale if I wanted to possibly save some of our equity. However, because of all their lies, working full time and caring for XXXX kids under XXXX full time while my husband was overseas, I couldn't do a short sale in time while simultaneously packing an entire house and moving to another house. It ended up being sold in a foreclosure at about XXXX of what we owed. Had they waited another month, we could have paid back all that was owed and they knew it since we'd been talking multiple times a week. 

We did *everything* they'd asked of us at the time. Instead of helping us, they STOLE our house and made out like bandits. Additionally, we had to file bankruptcy as a result, which ended up in a cascade of awfulness, such as another bank canceling my checking, savings and my kids ' savings while I was XXXX shopping. XXXX did their best to ruin our lives.