davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (SC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BARCLAYS BANK DELAWARE (UT)

I was in XXXX XXXX, for vacation, XXXX XXXX XXXX, 2019. I stayed at the XXXX hotel where an employee through XXXX approached me to offer a timeshare tour. I accepted the tour which took place XX/XX/2019 at the XXXX hotel. During this tour I was asked to provide my personal information such as my name, address, phone number, social security, etc. I was told this information was needed to verify my qualification for the timeshare. I also was assured that my information would not be used for anything other than verifying qualification unless I accepted the timeshare. On XX/XX/2019 I received an email from XXXX stating there was a change to my credit report. An account was opened under Barclays Bank. I immediately disputed this account with all three credit bureaus. On XX/XX/2019 I received a letter in the mail that included a Barclays Bank Wyndham Rewards credit card. I contacted Barclays Bank requesting immediate cancellation. They promised to send a letter of confirmation for the cancellation of the account in the mail. My information was stolen and my privacy has been invaded. I did not request for this and the credit bureaus have made it clear they can not assist in repairing the damage that was caused to my credit. I feel Im being labeled as a liar and I would like to know what can be done about this.
Consumer complaint received 2019-10-17
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. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have  belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Camino Financial Inc. (SC)

Received a business loan from Camino financial on XX/XX/2022 for {$14000.00} XXXX and was told that payments will be reported to XXXX XXXX to help build business credit. Its been XXXX XXXX and they havent reported anything. I tried contacting them through phone and was hung up on. I also emailed and no response and also was blocked from the complaint email. I think it unfair to advertise services and dont offer the service just to hold businesses back. Thanks
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (NJ)

I received a notice via regular mail from MRS BPO LLC a debt collector trying to collect a debt for XXXX XXXX XXXX. We do not presently have an account with XXXX noting the debt dates back to XX/XX/2021 per the notice received. 

That said, I promptly mailed the request form requesting additional information so I could verify the validity of the debt prior to taking any necessary action. That information was never received, noting I failed to realize it, and the company without any other contact whatsoever, proceeded to file a derogatory statement on my credit report as a result. 

I was immediately notified the derogatory statement was made because I subscribe to credit monitoring services as I take my credit seriously. I promptly reached out to the debt collection agency to discuss why collection activity had continued despite my request for information and was told they never received my request and would respond now. As I explained to XXXX XXXX, the representative I spoke with today, that would be good, but in addition, the derogatory statement needed to be rescinded since I had responded, and ALL continued collection activity should have ceased. She was adamant that it was my problem, that my request was not noted on the account. This is absolutely ridiculous. Where is the accountability on their side? My credit score is consistently over XXXX because I am a financial responsible adult, and I will not stand for a debt collector to infringe on my rights. 

As explained, I will address the validity of the debt as soon as I get the necessary information, but I want my rights protected. I took the appropriate action and they failed to act on their side. They shouldn't be able to place a derogatory comment without accountability. Your assistance is resolving this matter is greatly appreciated.
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-10-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

on XX/XX/2022 i sent letter to equifax, XXXX and XXXX however its been passed the 30 day mark and have not sent me back anything and according to the law 15 US 1681i
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (GA)

I sent a notice of dispute to Equifax and XXXX on XX/XX/2022. 

It is XX/XX/2022 and I have no response yet. I demand that they delete the accounts that I disputed since they did not respond to investigation in under 30 days.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The presence of unfamiliar public records on my credit report is distressing. I urge you to swiftly rectify this situation and update my credit profile accordingly. Your timely response to this issue is greatly valued.
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Mr Cooper mortgage company misapplied 5 of my monthly mortgage payments. 
I was told by several reps that there was a computer ( IT ) problem and that the payments were being misapplied. 

My monthly payment was partially applied to additional principal, which I did not authorize. Mr. Cooper would send me late notices and penalties due to their error. 

Eventually, I fell behind because they were misapplying my payments. 

I tried for over 7 months to get this straightened out to the point I had to get an hardship withdrawl from my 401k bring  mtg up to date. I was told by several reps and sent letters from Mr. Cooper that they were escalating my inquiry/complaint but it was never resolved. 
The last rep said if the mortgage was brought current she would have the misapplied payments applied to a couple of monthly payments. This never happened and all correspondence states it is in the research department. 

Mr Cooper has assessed attorney fees to me in excess of {$2000.00}. 

Also, when I went to make a payment the other day - my monthly is {$1500.00} and it said I could only make a payment for {$2800.00} there payment system is ripping off mortagees and we are held hostage when they say they will foreclose. 

By misapplying payments they can add fees/penalties/lawyer fees/ etc ... hurt your credit rating and I have spent over 30 hrs on phone trying to get this straightened out. 

Each time a rep tells me I will see a credit and it doesn't happen. As I stated above, one rep outright told me that it was Mr. Coopers fault and the problem was IT program and he suggested I called in each month to make payments.
Consumer complaint received 2015-05-01
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

I receive repeated calls daily from this company. I signed up for a debt consolidation service and they continued to call my personal phone and my place of employment. 
Causing a phone to ring repeatedly in the attempts to annoy or establish communication is against the law. I have asked for the calls to stop and sent a cease and desist and still the calls continue.
Consumer complaint received 2019-10-17
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: I.C. System, Inc. (IL)

I logged in to look at my credit and saw that there was a collection account. Not only have I never had XXXX XXXX in my name but I never got anything in the mail about this account to give me a chance to dispute it. This is a violation of the FCRA.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have sent in two different dispute/complaints letters XX/XX/2022 and XXXX XXXX asking the companies Experian, and XXXX to verify, method of verification used, + original contracts. Experian or XXXX has yet to remove the derogatory account from my credit report or produces verification method used to verify the account or original contracts.
Consumer complaint received 2022-07-05
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. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/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 ( XX/XX/XXXX : Act # XXXX ) XXXX : Opened, N/A : Reported, Unknown : Condition Balance : {$310.00} ( XXXX XXXX. # XXXX ) XX/XX/2017 : Opened, XXXX : Reported, Closed : Condition Balance : {$13000.00} ( XXXX XXXX XXXX. # XXXX ) - XXXX : Opened, XXXX : Reported, Unknown : Condition Balance : {$880.00} XX/XX/XXXX XXXX, Contact : Not Available ( XX/XX/XXXX XXXX, Contact : Not Available ) ( XXXXXX/XX/XXXX Act. # XXXX ) XXXX : Opened, {$13000.00} : High Balance, {$14000.00} : Balance, Installment : Account Type, Open : Condition, XXXX : Reported, {$390.00} : Payment
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank (MA)

This account is being reported inaccurately. I see repetitive late marks and I do not see the date of last activity being reported which is a violation of the FCRA.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

I sent small dividend checks largest one is XXXX dollars to deposit to JP Morgan Chase bank XXXX NY XXXX by registered mails 3 times this year. They were never deposited. The checks were never returned. Still did not get answer from the bank.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX I began the mortgage process formally with a consultant within Wells Fargo. For the six months prior to XX/XX/XXXX, I had regular phone calls with my assigned consultant to cover the specific product I was looking to use to purchase a new single family home. On multiple occasions during these phone calls my intention of having a 3 % down payment mortgage product was shared, and was informed that would be fine and not an issue. I currently have a mortgage with Wells Fargo on a condo I purchased 16 years ago, and also explained not only was I looking to purchase a single family home, I would also be looking to refinance that original mortgage to reduce the term length of that loan. In addition to dozens of phone calls, there were also dozens of email exchanges confirming the 3 % down payment product as being available to me for the single family purchase. On the morning of XX/XX/XXXX, before starting my application with my consultant over the phone, I again confirmed the 3 % down payment product being available and was informed it was fine. Later in the day on XX/XX/XXXX, I received my pre-approval letter/email, but was informed the 3 % wasn't available and that only a 5 % down product would be available. It was explained that there was an internal Wells Fargo policy change that occurred in XXXX of XXXX, but never once was that provided to me before having my credit pulled on XX/XX/XXXX, nor was the consultant aware of it until after I escalated this concern to them. I am a current customer of 14 years with Wells Fargo from my condo purchase, have made every payment on time for 14 years and have a credit score north of XXXX. But only learn of a policy change after my credit application as started? My mortgage consultant escalated this concern to their management team for resolution, but was informed nothing would be done. This is not a good business practice, and would say deceptive in practice.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Bought lunch at local restaurant. Bill was small, total with tip was {$26.00} including tip, paid with Wells Fargo POS  ATM card. 
Two days later on XX/XX/2021, restaurant inputs {$10000.00}. Wells Fargo deducts funds from checking account, and hits savings account for difference as checking account balance was not sufficient for this charge. Checking account is now at XXXX. 

We call Wells Fargo to report and they begin a claim as " dispute resolution '' instead of fraud. 

We go to Wells Fargo local branch. Wells Fargo employee calls restaurant and report that charge will be reversed by the restaurant. We notify Wells Fargo staff that their ATM card agreement limits daily withdrawals to {$2500.00}. Wells Fargo publications also claim that accounts are monitored for unusual activity. We ask why a charge in excess of {$2500.00} was paid, they reply that " it sometimes happens ''. 

We request that Wells Fargo staff contact Visa who apparently is middleman in POS  transactions. They advise us to wait 2 to 10 days. to resolve!
Consumer complaint received 2019-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Lender Inc (FL)

Self lender falsely reported 30 day plus delinquency late payment on my credit report for my XX/XX/2019 payment after I set up auto pay in XX/XX/XXXX for the payment to be auto devoted on XX/XX/XXXX and I have the screenshot, however I logged on the account today and saw that autopsy was not reflecting. I immediate re enabled and contacted self via chat and got no help. If the late fee and my credit report is not corrected to remove the erroneous 30 day late payment, Ill be contacting the CFPB. I ask for it to be escalated and was told they have no corporate office and it could not be escalated
Consumer complaint received 2019-10-17
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: EQUIFAX, INC. (TX)

I am writing, because I disputed the following information that is fraudulently reporting on my credit bureau to Equifax ONLY. I did not authorize anyone to open an account in my name and respectfully asked for the information being reported by XXXX be removed and blocked immediately. 

According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.

1. Block, Except as o
therwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer I have provided all of the above listed four ( 4 ) items to Equifax. Therefore, I expect the listed account to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting that XXXX account public records item, and inquiries be permanently block and deleted.
Consumer complaint received 2019-10-17
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: Sequium Asset Solutions, LLC (TX)

I ordered my free credit reports online and went thru them to find a few inaccuracies on them. I furnished XXXX XXXX with absolute proof that I returned a XXXX XXXX cable box along with the XXXX XXXX pictures and tracking confirmation. Also a letter that was from XXXX XXXX stating they received the box with a credit to me for the amount of XXXX which they forwarded a credit card with the balance amount to me. After speaking with the girl today she says it's up to Seaquim collections to take off the negative report with them after I furnished them in black and white the evidence that XXXX XXXX got it with the letter they sent to my home and also with the tracking from the XXXX XXXX office with pictures of proof of the cable box returned to XXXX XXXX. 
Also I applied for a loan with my credit union bank and my score was. XXXX now down to XXXX with the inaccuracies on my report. I kindly asked them to adjust that to reflect what it was previously to be fair which I assume they don't wish to do and also send me the revised credit report and to my bank for them to see these items were not to be on my report for them to reconsider the loan.