davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
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. (CT)

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 : AXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-01-13
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. (PA)

XXXX XXXX has Reported two credit cards that were opened in my name fradulently! I have not given written consent for them to report on my behalf. Also one closed account in XXXX are still reporting late payments and are closed! I need this removed and receipt of the removal
Consumer complaint received 2021-09-03
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Pursuant to 15usc 1602 ( l ) : A " credit card '' means " any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''. Notice that Congress said ANY card. The " Credit Card '' that I used to Originate a Consumer Credit Transaction with CitiBank was my Social Security Number, as I am the Original Creditor- not them. I am demanding that these fraudulent claims that CitiBank is making in regards to me " owing a debt '' and them " validating that the debt is mine '' be investigated immediately and that these fraudulent charges be removed, as well as removed from my Credit report- pursuant to 15usc 1681a ( 2 ) ( B ). CitiBank is claiming to be the Original Creditor in this Consumer Credit Transaction, yet can not provide me with validation of the debt NOR the name & address of the Original Creditor. This is Identity Theft and Fraud, and is completely against my rights as a Federally Protected Consumer, under Title 15 Chapter 41.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CO)

I have made numerous attempts to fix this issue with XXXX with no effort from their end to fix the discrepancy from their end. It took a month for the company to finally cancel our services after numerous attempts from our end to cancel along with a series of misrepresentation from their representatives. They also billed us double without a justifiable reason. I refuse to pay {$730.00} when we really should only owe {$250.00} according to my calculations. XXXX also felt the need to threaten to levy our bank accounts without having even obtained judgement. Another violation on top of that, they continued to harass me for this inaccurate bill after I sent a request for them to cease and desist communication. To my understanding this is a violation of the FDCPA and should be taken very seriously.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I cashed three checks and sent them to a person that was running a scam on me but i did not know that at the time. I was told by XXXX XXXX XXXX to cash these checks for his sick mother and send them to the nurse since his account was a business account he could not cash them out of. He had an account also with My bank in his official name and would have his secretary get the checks to me and I would send to the nurse. I didn't know this was a scam until the checks bounced. The nurse who I sent the checks to was XXXX XXXX
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

We had a mortgage with Wells Fargo when the real estate market crashed in XXXX. Since my husband is a builder and I was a real estate agent we were hit very hard with this crisis financially. We were advised to go through the " XXXX XXXX XXXX XXXX '' in XXXX, MA to tried to get a " Remodification Loan ''. Wells Fargo kept coming back asking for additional paperwork over and over again, which i believe was a stall tactic as Wells Fargo had been instructed to cooperate with those struggling financially. Despite providing them with every document they requested they declined to do the loan modification. I honestly don't think they ever had any intention of going along with this and was simply stalling then denying us eligibility since the government was now watching them. After wiping out all our savings, cashing out both of our Roth accounts and selling anything we could including jewelry, we became desperate and put our house on the market. But during this crash we put our house on the market and eventually had to take a substantial hit on the value and lost a lot of equity. No the house wasn't taken in foreclosure but we were forced to sell due to the denial of Wells Fargo to amend the loan. We had NEVER missed a payment with them and they would have no reason not to allow the modification other than the fact that as usual for this company ONLY puts their best interest into consideration. Even XXXX, who ran the XXXXXXXX XXXX XXXXXXXX XXXX, admitted not a single account he worked on actually got a modification loan. Now I see Wells Fargo is being forced to pay for their illegal deeds and hopefully we should be included in this settlement.
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

I have inserted an email communication below that contains the history of what happened with our Morgage company. In addition to what is below, we have since recent bank statements and more details 3 times. Each month the company either claims the statement is not sufficient to get the payment properly applied and credited even though they accepted and cashed the eCheck. I have spent more than 10 hours of time on the phone with the morgage company customer service reps. Each time I'm assured it will be resolved if I just submit my info but then the next month it all starts over with a threat letter about defaulting. Below you can read details and specifics about the initial actions. 


Attached please find proof of payment for loan number xxxxxxxxxxx, which is for the property at XXXX XXXX, xxxxxxxxx, VA XXXX. 

The loan is under my husbands name. 
XXXX Bank Information XXXX Bank Routing Number : XXXX Account Number : XXXX The XXXX payment was apparently sent to the wrong address using my XXXX bank bill pay services. The correction of address has been made for any upcoming payments and was successfully transmitted for the XXXX payment. 

After speaking to your customer service, it was requested for me to send proof of payment from my bank account for the XXXX payment that was sent to the incorrect address. Freedom Mortgage did cash the check sent by XXXX bank, but my account was not credited. 

Enclosed find a XXXX statement which shows the transaction cleared on XX/XX/XXXX. I am also enclosing a screen shot of the part of that statement which shows that transaction highlighted. 

If you need any further information, please let me know by calling me at XXXX or my husband XXXX Regards,
Consumer complaint received 2022-02-24
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. (CA)

XXXX, AC # XXXX, XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXX XXXX XXXX Date Opened XX/XX/2022 XXXX
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MD)

My mortgage lender is BSI Financial ( https : //www.bsifinancial.com/ ) and not by choice. 1 month after buying our new house XX/XX/XXXX we were automatically switched to BSI after starting with XXXX XXXX XXXXXXXX ( XXXX ). 

I received a delinquent tax notice XX/XX/XXXX from my county department of taxation/budget/finance saying my property taxes were not paid XX/XX/XXXX and we now have accrued a late charge. 

I contacted BSI and they could not explain to me why it wasn't sent back in XX/XX/XXXX, but that they would make sure they do it. They sent a check for XXXX on XX/XX/XXXX, after the tax notice came through, even though now XXXX due to the late charge. 

I am upset that they did not pay my property taxes on time in XX/XX/XXXX. Because they use a 3rd party to send the money, BSI can not give me an estimate as to when the county government will receive the property tax payment. Another late fee will be charged in XXXX. I called the govt office today, they have not received the XX/XX/XXXX payment from them as of today. 

I am frustrated that I am paying this mortgage lender plenty of money to make sure taxes are paid and they did not do it. BSI says they will pay for any late charges accrue due to this, but ultimately I know I still pay for it in the end. I am sure an escrow analysis will be done next year and it will show that there were not sufficient funds to cover XXXX taxes so they are charge more for escrow. They are also going to report it as ME BEING the reason the taxes are late to credit bureaus and it can not affect my credit score. 

The problem with these mortgage companies is it's hard to get out of the contract without having to dump a lot of money in another one to refinance. 

Again it's completely frustrated that I am the one suffering the consequences for no reason whatsoever.
Consumer complaint received 2020-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings (CA)

So, Ive been trying to reach out to this company for awhile now and it seems like they dont want to help me out, I told them numerous of times that this account was open under my name without my permission and Ive been a Victim of Fraud, I told them I tried to disputing this with the credit Bureaus but you guys keep Denying it, I told them Im trying to buy a house and Im not sure why this was open and added on my credit report, this is hurting my credit for something that wasnt mine or applied for this. Customer service keeps telling me they have to transfer me over to a different department to help me and its over and over again
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UMPQUA HOLDINGS CORPORATION (CA)

I disputed a charge on my Umpqua Bank Checking account from a motel I stayed at back in XXXX of 2021. They said they would credit my account after I submitted photos of the motel which I did and they credited my account back. In XXXX I went in to a XXXX Oregon branch to close my account since there is no local branch where I live. The teller noted the pending and said she want to " get the transaction right '' when she gave me the cash. She said my account would be closed by the next business day but instead she had overdraw my account. I tried to resolve this with umpqua bank but they refused and then they debited back the amount from the previous motel dispute. increasing the overdraw and adding nsf fees and refusing to listen to me. They then locked me out of my online access and turned me over to collections.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MAGGUILLI LAW FIRM, PLLC (NY)

HAD a hospital bill that was paid in full. XXXX XXXX 's XXXX  has no record of a bill in collections and all bills are paid in full. Magguilli law firm continues to harass and add fees to an account THEY have but will not provide specifics for what it is for. It was closed on XXXX because they failed to provide proof of an existing bill from the hospital and continue to add {$1.00} everyday it's not paid. When I asked for specifics what it's for they want to call me back and don't. They are rude and unreasonable. I also filed a complaint with the attorney general and the XXXX XXXX XXXX
Consumer complaint received 2021-12-30
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. (FL)

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE THEM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2021 ( TRANSUNION ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2021 ( TRANSUNION ) XXXX XXXX XXXX XXXXXXXX XXXX, 2021 ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2021 ( XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2021 ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, 2021 ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, 2021 ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2021 ( XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, 2021 ( XXXX )
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

As I currently work and live in. XXXX, I made a payment a few days late for purchases made on my XXXX credit Card issues for XXXX XXXX XXXX. Upon a visit to the US in XX/XX/XXXX, I realised that XXXX has been charging me monthly late fees and interest on my late fee. I called them and we agreed that I pay a fee of {$30.00} which I paid by electronic check drawn on XXXX XXXX  during the conversation on XX/XX/XXXX. The balance of the late fees was to have been written off at that time. I returned to the US in XX/XX/XXXX for an XXXX   and have realised that despite the agreement made on XX/XX/XXXX,  XXXX did not write off te balance and have been adding monthly late fees so that now the balance is {$430.00}. I called them and asked that they replay the conversation I had with them on XX/XX/XXXX, but all they say is that they will start legal action to collect this debt. I obviously can not force them to investigate the recording ( hopefully you can ), but this is such an abusive practice on their part.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/ XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX has Reported XXXX credit cards that were opened in my name fradulently! I have not given written consent for them to report on my behalf. Also XXXX closed account in XXXX are still reporting late payments and are closed! I need this removed and receipt of the removal
Consumer complaint received 2022-02-24
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/ XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (IL)

i Had Credit freeze on my reports. Violation of a credit freeze by transunion. illegally changing of date from on time to XXXX and XXXX late late on my XXXX XXXXXXXX account XX/XX/XXXX thru XX/XX/XXXX XXXX Months And also Us Bank theres XXXX  months in XXXX all 90 days late are incorrect too. these accounts are not open. i had just received my reports today XX/XX/XXXX.
Consumer complaint received 2022-02-24
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)

XX/XX/2008 a charge off of {$91.00} was added to my credit report from XXXX XXXX XXXX. I have no knowledge of this account and did not open this account. When I have contacted XXXX XXXX XXXX to get this resolved they are stating they see the card was never used and that we dont owe anything. However they have been reporting a fraudulent charge off on my credit for 46 months and state they have no knowledge of this.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. XXXX is being investigated by the FTC