davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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)

My Credit was ran when I was at a car Dealership. I never went through with doing business with the Lenders on my Credit Report. They have access to my information without my Consent. 

INQUIRES XXXXXXXX XXXX XXXX - XXXX XXXX Bank - XXXX LATE PAYMENTS XXXX XXXX Late Payments 30 day XXXX 60 day - XX/XX/22
Consumer complaint received 2017-07-12
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. (GA)

In the XXXX of XXXX transunion had a computer glitch where many of majority of my inquires were deleted and some where down the line readded by transunion with out notifying me 5 days prior in writing telling me they will be back added. I contacted transunion in good faith to ask them to delete the inquires that they illegally readded. I talk to a non-US rep. By the name of XXXX XXXX I asked to be transferred to a U.S rep. He said he could n't do so " the U.S department does n't handle the deleting of inquires '' ( XX/XX/XXXX @ XXXX Eastern ) these inquires add a hardship to my later in the year goals of buying a house and my rights were violated by transunion. Can the CFPB please help transunion to stop victimizing me.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo Bank opened a credit card account without my daughter 's knowledge and her husband racked up over XXXX XXXX dollars in debt. 

She divorced and is now purchasing a house. She went to Wells Fargo and they asked to pay off this debt. On XX/XX/2022, my daughter and I paid her account off in full. We were both told that in 5 days we could ask for a letter stating that the debt was paid in full. 

The check cleared for the full amount on XXXX XX/XX/2022. On XXXX, XX/XX/2022, Wells Fargo bank refused to issue the letter because she had a balance of XXXX XXXX She paid in cash and was given another receipt her debt was paid in full again. She was immediately informed that they now needed 45 days because the cleared check was not proof of payment, cash, or that any bank could pull the money after the check has cleared. 

I need a letter from Wells Fargo showing that this debt is paid in full and XXXX balance is due. 

Because she is buying a house this refusal will cost her an additional {$2800.00} in additional closing costs and a higher interest rate will be assessed against her loan. 

This is outrageous, and need to meet with all the players personally to give them each a XXXX in business. 

Second, this account was part of the Wells Fargo ghost accounts which Wells Fargo already paid XXXX in fines. I wish to be reimbursed for the added closing costs and added interest over the lifetime of the loan. 

I also need to know why Wells Fargo keeps making up illegal policies in this country. 

I demand to be made whole in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-12
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. (AL)

I default on a second mortgage with XXXX XXXX to move to XXXX AL where my wife could receive treatment for XXXX XXXX XXXX, a XXXX XXXX XXXX. The Second Mortgage started out as a construction loan for us to do a major remodel, additions and improvement to lake access from the property. XXXX XXXX had agreed to roll the construction loan into a refi of my V.A. Mortgage to include the First Mortgage and Construction Loan.
I told the Loan Officer before we started the Construction Loan that I had XXXX XXXX XXXX. I informed the loan officer and bank project monitor that I wanted the senior officers of the bank to evaluate the detailed Remodel/Addition/Facilities Improvement Plan, that was prepared by my XXXX Y.O. Son, myself and the contractors I was to use on the project to determine, if this work would be an appropriate use of the money the bank was providing to me. I discovered at the end of the project that no one above the loan officer saw the plan. The interest second mortgage was 7.99 % for 60 months then reverting to an adjustable rate mortgage. I discovered at the end of the project that the bank did not even do V.A. Loans. I also found that the bank had reported false information to the major Credit Bureaus on the construction loan that was to be interest only, that I had failed to make P & I payments. In short the bank later their Agent In Fact, an attorney, lied from beginning to end.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MI)

I contacted the company to ask why interest is still being accrued on a credit card account that was closed and sent to their collections department. 

I was told because a balance was still with their credit card. The manager told me they sent a letter to me but confirmed that it was the wrong address. I called them to change my address before the account was even closed, so I am not sure why the letter was sent to the wrong address. 

She couldn't give me specifics on collections protocol so she instead she transferred me to the collections department. The representative began speaking with me about my account. The representative did not provide the FDCPA Miranda verbal notice in spite of me asking if he is a debt collector. Towards the end of the conversation the representative informed me that he did not have to provide the FDCPA Miranda verbal notice because he did call me ( since I was transferred over there ) and that he was assisting another department. 

Ultimately the issue wasn't never resolved and I was confused that the collections department didn't provide the proper FDCPA Miranda notice.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (OH)

I kept receiving emails about my new card from netspend. Someone had opened an account with my information. When I gave them my social security number they confirmed an open account but refused to give me any information, address or phone number, that would allow me to know who had stolen my identity.
Consumer complaint received 2022-08-29
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2017-07-13
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. (AL)

I default on a second mortgage with XXXX XXXX to move to XXXX AL where my wife could receive treatment for XXXX XXXX XXXX, a XXXX XXXX XXXX. The Second Mortgage started out as a construction loan for us to do a major remodel, additions and improvement to lake access from the property. XXXX XXXX had agreed to roll the construction loan into a refi of my V.A. Mortgage to include the First Mortgage and Construction Loan. I told the Loan Officer before we started the Construction Loan that I had XXXX XXXX XXXX. I informed the loan officer and bank project monitor that I wanted the senior officers of the bank to evaluate the detailed Remodel/Addition/Facilities Improvement Plan, that was prepared by my XXXX Y.O. Son, myself and the contractors I was to use on the project to determine, if this work would be an appropriate use of the money the bank was providing to me. I discovered at the end of the project that no one above the loan officer saw the plan. The interest second mortgage was 7.99 % for 60 months then reverting to an adjustable rate mortgage. I discovered at the end of the project that the bank did not even do V.A. Loans. I also found that the bank had reported false information to the major Credit Bureaus on the construction loan that was to be interest only, that I had failed to make P & I payments. In short the bank later their Agent In Fact, an attorney, lied from beginning to end.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I default on a second mortgage with XXXX XXXX to move to XXXX AL where my wife could receive treatment for XXXX XXXX XXXX, a XXXX XXXX XXXX. The Second Mortgage started out as a construction loan for us to do a major remodel, additions and improvement to lake access from the property. XXXX XXXX had agreed to roll the construction loan into a refi of my V.A. Mortgage to include the First Mortgage and Construction Loan. I told the Loan Officer before we started the Construction Loan that I had XXXX XXXX XXXX. I informed the loan officer and bank project monitor that I wanted the senior officers of the bank to evaluate the detailed Remodel/Addition/Facilities Improvement Plan, that was prepared by my XXXX Y.O. Son, myself and the contractors I was to use on the project to determine, if this work would be an appropriate use of the money the bank was providing to me. I discovered at the end of the project that no one above the loan officer saw the plan. The interest second mortgage was 7.99 % for 60 months then reverting to an adjustable rate mortgage. I discovered at the end of the project that the bank did not even do V.A. Loans. I also found that the bank had reported false information to the major Credit Bureaus on the construction loan that was to be interest only, that I had failed to make P & I payments. In short the bank later their Agent In Fact, an attorney, lied from beginning to end.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (FL)

I received a notice from Truist Bank dated XX/XX/22 confirming that on XX/XX/22, I had requested to accept Overdraft Coverage for my account ending in XXXX. I had never opened an account with Truist or had any dealings with them. On XX/XX/22, I called Truist and was told not to worry that the account was opened on XX/XX/22, but it had been closed and there were no transactions. I told them that it was still a concern because somehow someone else had opened an account in my name and I wanted to know how that happened and I wanted an investigation done. They transferred me to the fraud department and they said they would look into it. 
I received a letter dated XX/XX/22 from Truist XXXX XXXX XXXX XXXX XXXX stating that " effective immediately '' it was necessary to close my account. On XX/XX/22, I called the number I had been given for the fraud department and explained the situation and said again that an investigation should have been done to figure out how someone opened an account in my name and asked why after a month all they had done was close the account which I was told had already been closed. I was told that I would need to speak to the XXXX department and my call was transferred to them. I told them the situation and they said I would need to talk to the Identity Theft Department and my call was transferred to them. I was on hold for an hour and a half before I finally hung up. The next day ( this morning ), I called the number they gave my for the Identity Theft Department, and it was not their number ( or anything like it ). I called Truist again and was transferred a couple of times before getting to the Identity Theft department. They claimed they would look into it, but I have no reason to believe that they will or that they will understand the seriousness of this issue this time around.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CLGF Holdco 1, LLC (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has validated my rights 15 USC 1681Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section:2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-07-13
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)

Transunion had a computer glitch that caused inquiries to be deleted. Transunion later added them back onto my credit report without giving me legal required written notice 5 days prior to them re-adding them. I have contacted Transunion in good faith to ask them to delete the inquiries that they had illegally re-added. On X/XX/2017 around XXXX XXXX I spoke with a Transunion rep name XXXX and later that day around XXXX XXXX spoke with a XXXX to advise them that I checked my credit report and found unauthorized inquiries on it. Both reps declined to remove inquiries off my credit report. I advised both reps that these inquiries has had a financial hardship on my life because it lowered my credit score that made it harder for me to purchase a home. I told them that they were violating my rights, but I was told by the rep XXXX that this was Transunion 's problem and it does n't matter. I 'm asking the CFPB to help me stop Transunion from continuing to victimize me.
Consumer complaint received 2022-05-27
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 's 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-27
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. (MI)

According to the Fair Credit Reporting Act, Section 1681 ( a ) ( 2 ) ( B ), Anything that was extended or authorized from a credit card should be excluded from my consumer reports. You are required by federal law to exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device on a consumer report. According to 1602 ( l ) The term 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. 

XXXX, Experian and XXXX are reporting items from inquiries which is authorized by a credit card on my report. They are also reporting items such as XXXX  on my report.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IL)

Lost and stolen credit card used with out my permission and charges were made without my authorization. 

File police report with ICE. ORG and FTC.GOV.
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2019, I was scammed twice using my Wells Fargo debit card. I used it once through XXXX XXXX for {$400.00} dollars and once again using my Wells Fargo debit card through XXXX for {$300.00}. I was trying both times to purchase XXXX  tickets and paid both times and never received the tickets! I contacted Wells Fargo and XXXX to file fraud charges and I received a letter from the bank saying they couldnt help me even though I told them it was a scam/fraud. I am really unhappy with this! I am a single mother of XXXX and I cant believe they cant help me get my money back or issue me a credit! Please help so this doesnt happy again to someone else!
Consumer complaint received 2022-05-27
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentially XXXX  Account Name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My report has incorrect information regarding my Employer. 

15 U.S.C 1681 section602A. States I have the right to privacy.

15 USC 1961 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an without my written instruction.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Called in to customer svc to make XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.
Consumer complaint received 2017-07-12
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. (TX)

Called in to customer svc to make XX/XX/XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.
Consumer complaint received 2017-07-12
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. (TX)

Called in to customer svc to make XX/XX/XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (GA)

After reviewing my credit report i identified a discrepancy with an account listed under XXXX XXXX XXXX, that i did not recognize. I also noticed that this collection was being reported as an Opened Accont, which is not under FCRA compliance. This is inaccurate reporting. I have not receive any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect that my credit report has been disputed. I DO NOT believe that this account belongs to me, nor do i believe that the creditor has authorization to attempt to collect on the account that continually negatively affects me.Please Strike and REMOVE this account from XXXX credit Bureau until adequate information has been received and proving that the account belongs to me and all information is correct
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NC)

Listen to this please In XXXX I was in school I was kid in the XXXX grade going through a lot and I didnt have a job ok next XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX contact me saying that have to pay they have my social number and my email address Im on the phone with telling them I didnt apply to no college campus in XXXX and then I said I was a kid so i dont how yall got my in information I didnt signature nothing an second I dont know where that at an third I havent seen college campus or havent been one and I told them Im not paying for something that not true and I ask them so yall going to make me pay for something I didnt do and they said yes no matter what you do or do got a job and next I had contact them and said Im a police report they said that wont help, i keep telling them over and over I didnt do it in respectful way and they was being rude to me an yes I got rude back Because I dont appreciate someone rude to me and I being nice and telling the truth I should have record them but I couldnt I didnt have other phone, Me and my auntie even told them to check my medical records that proof right there that Im XXXX  I hope and pray yall believe me and I know they going to disagree because they know they wrong for this they could of taking me off of repeatedly over and over telling them I didnt do it but like I said I hope and pray yall believe me and I know they going to disagree because they know they wrong for this