davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unresolved Identity Theft Incident Resulting in Fraudulent Charges and Credit Report Discrepancies Dear CFPB Agents I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report. 

A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my Apple Wallet, including a particularly significant fraudulent charge on my XXXX Credit Card issued by XXXX XXXX. 

The account details for the fraudulent charges are as follows : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The total unauthorized charges on this account alone exceeded {$100000.00}. 

Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureaus XXXX, TransUnion, and XXXX as part of my dispute process. 

Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that these credit bureaus have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent XXXX card is still unjustly affecting my credit report. 

Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent XXXX card removed from my credit report promptly to prevent further damage to my financial wellbeing. 

Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/1976 SS # : XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We overpaid Select Portfolio Servicing , Inc. ( " SPS '' ) {$1900.00} when we paid off the SPS mortgage loan with a refinance in XX/XX/XXXX ; however, SPS will not pay us back the overpaid funds. 

Although SPS mailed us a check ( # XXXX ) for {$1900.00} on XX/XX/XXXX, SPS issued the check in the wrong name ( so we were unable to cash the check ). Specifically, this check was written in the name of my husband 's parents ( who are deceased ) rather than in the name of our husband and Estate Trust that holds the subject home ( which was subject to the prior SPS mortgage loan that we paid off ). 

On several occasions ( we made at least 6 phone calls ) between XX/XX/XXXX and XX/XX/XXXX, to complain to customer service and their supervisors that the refund check ( from he closing process ) was issued in the wrong name. On each phone call representatives/supervisors said a new check would be mailed within two weeks and some said 60 days. Yet as of today, XX/XX/XXXX, we have never received a new check. 

Supervisors that we spoke to on XX/XX/XXXX and XX/XX/XXXX, told us they could not speak with us because we are not authorized on the loan. They asked us to submit certain records, which we did, such as documents proving our ownership of the property, e.g., Estate Trust agreement, Deeds showing my husband inherited the property, and death certificates for each of my in-laws ( the original borrowers on the loan ). This documentation was provided by us to SPS via Fax on XX/XX/XXXX and by email on XX/XX/XXXX. 

Because over 6 months has past and SPS has not returned our money despite numerous calls and providing all required documentation, we are seeking assistance from the CFPB so we can be paid back the money SPS owes us. 

( Please note the subject loan was originally underwritten with XXXX XXXX, which was acquired by XXXX and then the loan was acquired by XXXX XXXX who then transferred the loan to SPS ).
Consumer complaint received 2022-11-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-08
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. (LA)

After pulling my credit reports I noticed serval accounts that was result of identity theft on my report, including several inquiries that I did not authorize. I've tried several times to address these issues with the credit bureaus, but they have repeatedly ignored me after I've asked the bureaus to provide me with verification and validation of these accounts which they have failed to do. Not only did XXXX subject me to identity theft. The credit bureaus have ruined my reputation by allowing this to continue to report on my consumer report, they have made it impossible for me to secure a mortgage. 

Please see attached documents.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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. 
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 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 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I want to present a complaint against Fifth Third Bank. They have unfair consumer practices. In XX/XX/2021 Fifth Third risen my mortage payment from {$2500.00} to {$3700.00}. I've risen the concern since XXXX ( E-mail attached ) that this monthly payment is a hardship for me and requested support from the Bank with no response as of today. I have requested to remove a PMI insurance they have on my Mortgage of around XXXX on a monthly basis. I am already paying {$3700.00} for my mortgage and between the Taxes and the PMI, the Escrow of this mortgage ascends to {$1700.00} monthly on top of my principal and interest. I have escalated the case to remove the PMI, as the current loan represents only a 56 % of the property current value and offered to pay for this appraisal to get this PMI removed. And having not missed any payments on, y loan in addition of having a good credit score. With only a waiting response from the bank ( e-mail from XX/XX/XXXX attached ) when I need to continue paying and paying month over month and nobody cares about me as a consumer. 

Please help me alleviate this situation, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Sent multiple debt validation letters midland credit is called from spam numbers all day they also using artificial intelligence Technology is Company is currently being sued by me I have obtained a lawyer for this matter I never did any business with this company or know where this debt came from I would like this debt removed and phone calls to stop they are doing illegal practices
Consumer complaint received 2022-04-15
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. (GA)

I have attempted to have my name and address reported correctly on my Experian credit file on three separate occasions. The first attempt was through Certified Mail on XX/XX/2022. In this letter I provided my correct name and address. I didn't receive any notice of changes to my personal data on my report. When I pulled my credit report to check for updates I did not notice any corrections to my name and address. Since I didn't see any updates to my name and address I decided to follow up with a second dispute via Experian 's online platform on XX/XX/2022. Experian completed their " investigation '' of my address the same day XX/XX/2022. I did notice some changes but Experian was still reporting my name and address wrong. On my third attempt to have my name and address corrected I provided Experian a copy of my Driver 's License, SSN Card, Rental Lease Agreement, my W2, and a letter requesting correct reporting via Certified Mail with signature request on XX/XX/2022. I pulled my credit report today XX/XX/2022 and Experian is still reporting my name and address incorrectly even after I provided all my personal data.
Consumer complaint received 2020-06-08
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. (FL)

This is my third complaint is about my XXXX XXXX XXXX Credit Card and Experian. I applied to XXXX XXXX on XX/XX/XXXX. I was approved for the card and i have been using my card ever since, I order my credit report on XX/XX/XXXX and i noticed they have removed 3 unauthorized inquiries on my XXXX but have yet to remove the other 3 unauthorized inquiries on Experian credit reports. 
Please see below. I authorized only one inquiry for the XXXX XXXX XXXX on XX/XX/XXXX and i was approved on that day an told my card was being sent to me. The additional inquires below were not authorized by me. Experian XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Per the Fair Credit Reporting Act, 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 also states a consumer reporting agency can not furnish an account without written instructions on out. 

Account info Account number XXXX Date opened XX/XX/2021 Account type Open account
Consumer complaint received 2022-11-08
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. (NH)

In accordance with the Fair Credit Reporting Act XXXX, the following companies/accounts have violated my rights ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 


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 2023-07-11
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX  XXXX XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX  # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX - IDENTITY THEFT XXXX XXXX  # XXXX  - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT XXXX  # XXXX - IDENTITY THEFT XXXX  # XXXX - IDENTITY THEFT XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-08
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. (MD)

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 and Account # 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 information : Any other adverse items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-02
Product: Credit reporting 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. (TX)

Transunion is allowing the following six companies to report continues inquiries within my consumer report : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These companies can not provide me with any signed documentation to support these false inquiries, I have provided my ftc report and other supporting documentation informing these companies these inquiries are a result of identity theft.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Since XXXX of XXXX, I've sent multiple letters to the consumer reporting agency informing it that the agency is not abiding by the standards of consumer credit reporting. I've attached a copy of one of the letters for reference, but I'll just give a couple examples. 

First, I never authorized or validated for your agency to have any name other than the name that appears on my government ID and social security card. The same goes for my address, which is all stated in my letter as XXXX XXXX XXXX and the address is XXXX XXXX XXXX, XXXX, PA XXXX. Also, I can only have one birth year. Your agency has my birth year as " XXXX '' when my actual year of birth is XXXX. 

In regard to the accounts, I noticed the items listed, such as XXXX XXXXXXXX XXXX ( collection/ charge off ), the date opened is inconsistent and base segment character field XXXX " First date of delinquency '' is not present on the report which is mandatory for collection accounts. This is just one example of the failure to meet credit reporting standards set in place. Please review my letter in entirety as well as conduct a re-investigation.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Prosper Marketplace, Inc. (AZ)

A fraudulent charge of {$5.00} on XX/XX/23 was made and again on XXXX for {$79.00} reported both fraudulent charges on or about XXXX when charges were noticed. As of XXXX Prosper still has not resolved the issue and continues to charge daily interest on the total amount and recently added XXXX cents of credited interest, this type of practice should be looked into! I closed account as of XXXX due to Prosper in action talked with XXXX different agents on different days each one stated, " I have reported the fraudulent charges so the fraud team can look into it! ". Not one agent has ever stated the case is still open and provided a date is resolution, every agent relayed that it was being reported of new. They make you verify your account with more security than removing a fraud claim! They also closed my account and closed access in app faster! This company definitely needs to be looked into!
Consumer complaint received 2023-11-02
Product: Credit reporting 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. (NJ)

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 ( The following personal information is incorrect. The personal data reporting is inaccurate. )
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2023-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

Ive had numerous fraud charges on my account and in my last claim which consisted of many XXXX orders that legitimately werent mine and Wells Fargo responded with letting me know they were closing my account and deemed it fraud on my behalf
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX