davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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 reviewing my credit report I see an account that was not authorized by me and a collection that does not belong to me. I have contacted the police and reported this as fraud and was told to follow up with you guys. XXXX XXXX XXXX is on my credit report seeking a {$0.00} collection for an account I have no knowledge of. I have never done business with XXXX XXXX XXXX. The credit report says it was opened on XX/XX/2020, and acct number is XXXX. Also, my XXXX  has a different amount to be collected on it, this is fraud. I request an investigation in writing, and a return receipt requested from the credit agency.
Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I reached out to all three credit bureaus Experian, XXXX and XXXX by mail regard the inaccuracies of this account. XXXX loan mark this account is reporting inaccurate please see the attached reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, Experian and XXXX This account is reporting as open and active this is inaccurate. Please delete this inaccurate account from my credit report immediately.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

I spoke with Wells Fargo on XXXX about a wells fargo overdraft and the customer service manager told me that the account activity on my wells fargo app does not reflect the full activity that shows on their computer. This made no sense because my wells fargo app activity should directly show the same thing that is displayed on their computer. This was a red flag. On XX/XX/2021 a customer service representative had my overdraft fee refund approved. Spoke with Wells Fargo customer service representative today on XXXX and he was the rudest customer service representative I have ever dealt with so I requested a new representative to speak with. The new representative told me that the overdraft was refunded but it's their policy to not show it being refunded on my activity page so basically I have to do the math myself to figure up that the refund was credited. That is another red flag. Also Wells Fargo will allow my debit card to be consistently charged by automatic payments when it is already overdrawn, so they can charge multiple overdraft fees resulting in exorbitant fees that can sometimes put my account into - {$500.00} or more. There is fraudulent activity that this bank is still committing with the most horrible customer service to match.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (GA)

On XX/XX/2022 I contacted Nordstrom Credit Card Services via USPS Priority Mail # XXXX My purpose of contacting the company was to properly address their violation of FCRA 15 USC 1681a 2Ai Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my consumer report I have properly attached all documents that are needed for verification as originally sent with the original letter ( this would include the account numbers along with my id and proof of address ). The response of the company was not acceptable by any means as it was clear to be a stall to disregard my concerns and my demands.
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo, currently holds our mortgage. Initiated the process to refinance before rates go up. Submitted paperwork, etc, got the ball rolling. The appraisal was ordered. The appraisal came in at $ XXXX. This puts us at 62 % of value vs equity, kicked the rate up, XXXX was added to our refi amount without any explanation. Back to the appraisal. The appraiser put us at approximately 2100 sq ft above grade, 700 ft below grade. We live in a split level. The lower level is actually even grade with our driveway. Two things about this. Based on the appraisers OWN COMPS, 2100 sq ft would have put us well over XXXX in appraisal value. The house is in great shape. We have made improvements and maintained since we purchased. Two, Wells Fargo had initially given us a mortgage based on an appraisal of 2800 sq ft above grade space. 
We were VERY unhappy with the outcome, the response from our Wells Fargo rep, and shopped out the refi. We have started the process with another company. The appraiser for the new company came out. The appraisal came in at $ XXXX. HUGE disparity. Our rate and payment is now in line with what we were told to expect. Wells Fargo is scamming. Shame on them.
Consumer complaint received 2019-05-24
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: EQUIFAX, INC. (GA)

ON THESE DATES BELOW THESE INQUIRIES WERE ADDED TO MY CREDIT FILE WITHOUT MY PERMISSION OR AUTHORIZATION. I DID NOT AUTHORIZE THESE COMPANIES TO INQUIRY INTO MY CREDIT FILE. 
XX/XX/19-XXXX XXXX XX/XX/19-XXXX XXXX-XXXX   XX/XX/19-XXXX XXXX XXXX XX/XX/19-XXXX XXXX XXXX XX/XX/19-XXXX XXXX XXXX   THEY ALSO HAVE THE NAME " XXXX XXXX XXXX '' ON MY CREDIT FILE, I WOULD LIKE FOR IT TO BE REMOVED!
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NV)

Submitted a check for {$6800.00} on the XXXX. This company reports they have not received the check, The check was issued from the bank from a mortgage equity cash out. The company wont return calls or emails and the bank is reporting the check was processed.
Consumer complaint received 2016-02-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

Reference prior Consumer Financial Protection Bureau complaint # XXXX, Ditech Financial LLC Account Number : XXXX. 

Complaint response from DiTech, dated XXXX XXXX 2016 ( attached ), indicated specific actions that would be immediately taken by DiTech to correct their error. To date, and based on a conversation with DiTech this morning, none of the actions have been completed. This has resulted in my not receiving a correct XXXX for mortgage interest payments, affecting my ability to file my tax return both accurately and timely. 

This has been a horrific customer service experience - the worst I 've ever encountered - customer service reps state that I can only speak with them and not be connected with someone in a higher position that just might be helpful. This is a horrible company under any name ( i.e., Green Tree ).
Consumer complaint received 2018-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Signature Finance Company (TN)

My job has come to me about excessive calls from this company. They say the people that call ask for me but they always call at the wrong time because I work nights. So the people at the front desk try to transfer them to human resources and they immediately hang-up. I called to ask why they call my job and they say to inform me of my passed due account. I'm already aware of that from the many voicemails, emails, and letters in the mail. I let them know that I am doing the best I can but all they care about is forcing me to pay.
Consumer complaint received 2019-07-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (ID)

I refinanced my Federal Student loans to XXXX XXXX and did not receive enough information from them regarding the fact that they would become private loans and the consequences of that decision. Recently ( XX/XX/XXXX ), my income level has been reduced significantly for the foreseeable future and I am having difficulty making my minimum payments. This unfortunately coincided with me restructuring my credit card debt and my credit score is below the minimum of XXXX for that company. I called and was able to receive forbearance for up to 12 months but that would ultimately increase my monthly payments. 
Complaint # 1 : extremely poor communication on the nature of refinancing my student loans initially Complaint # 2 : extremely poor customer service in being able to address my concerns without numerous calls and an inability to reach supervisors to address my circumstance ( calls made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, and earlier ) Complaint # 3 : they are unable and unwilling to provide any solutions othan than forbearance for up to 12  months, at which time I will go into default ( email notification of this recieved XX/XX/XXXX )
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-25
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 — 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 Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit 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 XXXX XXXX
Consumer complaint received 2018-08-23
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. (OH)

On XX/XX/2018 I submitted a dispute to all 3 major Credit Buraus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.
Consumer complaint received 2024-04-02
Product: Credit reporting 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 XXXX  Account 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.
Consumer complaint received 2022-02-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit 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 XXXX XXXX
Consumer complaint received 2021-06-12
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. (GA)

I have been reaching out to TransUnion about the XXXX XXXX XXXX account that is reporting inaccurately on my report. I asked for them to investigate and verify the information they are reporting and I haven't received a response from them, proof an investigation was completed, comments showing the account was in dispute or anything. I have been sending letters to them since XXXX of 2020 and still haven't received a response in regards to this account. I'm in the process of trying to purchasing a home and this inaccurate account is preventing me from moving forward. They are also still reporting an outdated Bankruptcy.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had 2 capital one accounts in my name fraudulently. The account was opened XX/XX/XXXX. It was charged off XX/XX/XXXX. Disputed and won. Should have been removed from credit and public record XX/XX/XXXX. It was showing on my record til sometime this week or late last w week. XXXX and XXXX wouldn't allow me to have paperwork to say this was removed and I have document from capital one that says this was fraud and should be completely removed from my credit and public record. Capital one still hasn't sent any info stating that and XXXX and XXXX won't give me the letter stating they sent this to the court for discharge. I dealt with XXXX XXXX From Capital One 's  fraud team and they haven't sent current information that I requested. I hold both Capital One and  XXXX and XXXX fully responsible for all of this.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2021-10-28
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. (FL)

XXXX, LAURORE SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; LIBCAREERFIN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (CA)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2021-10-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Business and Consumer Solutions. (CA)

The company continues to send me notices to collect on this debt. The statutes of limitations and passed and I have sent them numerous letters to stop contacted me, however every couple of years I receive another notice.
Consumer complaint received 2022-02-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I certified mailed a letter informing Experian, XXXX, and XXXX of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your XXXX  Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of Information.
Consumer complaint received 2022-02-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

1. On XX/XX/XXXX the dishwasher in my house failed and released water. The house is a raised ranch built in XXXX. Most of the damage was drywall and related which affected the lower, basement level. 
2. On XX/XX/XXXX the insurance company paid out ~ {$100000.00}. In a check payable to me and lender PNC BANK. 
3. I sent the check to lender PNC BANK. 
4. I explained in great detail and included pictures to document that it would be non-economical to make repairs as the house sits on 4 acres of prime wooded land in the City of XXXX, and that the highest and best use of the site is eventual tear-down of the single structure on the house and development of multi-housing sites. 
5. The Hazard Insurance clause in the HELOC agreement states 4 Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, provided such restoration or repair Is economically feasible or if the security of this Mortgage is not thereby impaired. If such restoration or repair is not economically feasible or if the security of this Mortgage would be impaired, the insurance proceeds shall be applied to the sums secured by this Mortgage, with the excess, if any, paid to Borrower. 
6. Lender PNC BANK refuses to allow the insurance proceeds be used to pay down the HELOC balance which is {$250000.00}. 
7. This is the latest email thread from XXXX XXXX XXXX. PNC BANK intends to sit on the money for years until the mortgage is paid down to {$100000.00}. This is a breach of the HELOC paragraph 4. 
XXXX XXXX is an attorney at XXXX XXXX, and PNC BANK is XXXX XXXX client RE : XXXX XXXX PNC XX/XX/XXXX XXXX : PNC has advised that it will not apply the proceeds to the balance. You will either need to apply the proceeds to the repairs or the funds will remain in restricted escrow until the loan is paid in full. I wanted to communicate this to you in advance of the hearing tomorrow in case you wanted to proceed on our motion to dismiss. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX, XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX, XXXX XXXX Subject : RE : XXXX XXXX PNC Thanks, XXXX : I dont make the call so I have to wait for PNC to advise and I will be in touch. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX Subject : Re : XXXX XXXX PNC EXTERNAL E-MAIL - From XXXX XXXX : XXXXhats a no brainer. Comps for 4 acre wooded parcels or similar w/in the City ( not unincorporated ) See attached 2 docs On Tue, XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : XXXX : I am waiting to hear back from PNC as to whether it will apply the insurance proceeds without an appraisal or other confirmation that the security interest has not been compromised. I will be in touch. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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.
Consumer complaint received 2022-02-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I certified mailed a letter informing XXXX, XXXX, and Transunion of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your XXXX Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of Information.