davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of XXXX breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of XXXX breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX  so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that XXXX is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with XXXX and the glitch with Transunion Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after XXXX Transunion and XXXX re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.
Consumer complaint received 2022-03-17
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. (CA)

in accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-03-17
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. (CA)

in accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # 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 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX , XXXX,
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2022-03-17
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. (DE)

This bureau ( TransUnion ) has been contacted several times regarding XXXX XXXX  account number ( XXXX ), XXXX  account number ( XXXX ), and XXXX XXXX account number ( XXXX ) in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC on two occasions one dated XX/XX/2021 reference number XXXX and also on XX/XX/2021 reference number XXXX and still, they don't delete these unauthorized and fraudulent accounts on my credit report. XXXX and XXXX has honored my request, I am just still having a problem with TransUnion honoring my request.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans union I spoke to a rep. regarding my file and fraudulent inquires and bankruptcy that is listed on my file today. I was told that they have not received no documents from me. I have sent Trans union my identity theft police report three times along with my ID and other documentation regarding my disputes. Certified letters via US POSTAL SERVICE ( tracking # XXXX. And once by regular mail. I also called in the last three months disputing my credit file with a fraud specialist, only to receive the same results no bankruptcy or inquires removed, with a statement verified its yours contact the creditor directly to resolve. I have contacted these companies, their response to my letters all states, I had apply for an account online AND WE WILL NOT REMOVE THE INQUIRE. I sent letters the court house were the Bankruptcy located, no reponse. I have also opt out from any and all promotional inquires last year with Transunion. I noticed that XXXX inquire was just pulled on XXXX/XXXX/2016. I have filed a identity theft report with FTC.gov. I have place fraud alerts on all my credit files.
Consumer complaint received 2022-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo keeps claiming that I, or someone who was authorized, was the one who made a XXXX charge on my account. Neither is true and I did not authorize this XXXX transaction. The transaction was made fraudulently and they are not taking any action to protect me. Below is the original message I sent through CFPB - Complaint ID XXXX -- On XX/XX/XXXX I had a total of {$2000.00} frauded from my account via XXXX. I did not approve this transaction or make this transaction. I contacted Wells Fargo soon after about this fraud case, and they recently reported on XX/XX/XXXX that they have not approved of my claim. The case number is XXXX XX/XX/XXXX XXXX TO XXXX XXXX XXXX ON XX/XX/XXXX REF # XXXX {$1000.00} XX/XX/XXXX XXXX TO XXXX XXXX XXXX ON XX/XX/XXXX REF # XXXX {$950.00}
Consumer complaint received 2018-07-15
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. (IL)

In a letter dated XX/XX/2018, XXXX XXXX indicated that a collection account they are reporting on my credit for {$510.00} would be removed. The letter stated that this debt " should show removed from your credit histories within 4 to 5 business days. '' As of the date of this complaint, a full 24 days has passed with no change to my credit report with any of the 3 credit bureaus. I have even submitted disputes with the credit agencies to no avail, as the disputes have been closed, affirming the information reported is correct. As per the FCRA, the debt is too old to be reporting on my credit to begin with. Responsibility for this inaccuracy lies not only with XXXX XXXX, but also with the 3 reporting agencies as it is their responsibility to ensure that the information they report is correct. Simply taking XXXX XXXX 's word is not ensuring accuracy. This is causing me a serious hardship as I am attempting to finance a vehicle and will remain unable to do so until this issue is resolved.
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (TX)

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and accounts the do not belong to me.
Consumer complaint received 2022-12-06
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 (IN)

Hello, my name is XXXX XXXX. Today I would like to write a complain about my problem. I lost my wallet and lost XXXX XXXX credit card. When I discovered 2-3 days later and called to disputed all of them with the wells fargo XXXX XXXX bank XXXX then couple of days later I received a letter that they responded to my case with a DENIED status. Then I called and asked about it, the bank told me and gave reasons are : First, the merchant verified your personal information, which include name, address, phone number, email, card expiration date. Second, Why did you call and report it in two days?. Third, how did you lose your information?. Fourth, you did respond to confirm the email to the merchant which is the same primary email address that we have on file.

-In my opinion, from my end, I NEVER receive any phone calls, NEVER reply or confirm any emails from this merchant. No packages arrived.!! 
- My questions are : what day and what time did the merchant called me? Called to what phone number? 
- Which email address did they asked to confirm? Is it my profile primary email address? 

I do not know what to do and how to resolve this matter. Please help. Thank you. 

XX/XX/2022 in the amount of {$960.00}
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION (NY)

I reported to my banking institution Navy Federal Credit Union in the amount of {$3200.00} I have provided all supporting documentation and they have found my claim unfounded. I desperately need your assistance because its not fair for them to just keep my money. 
Please help me to recover my money or at least provide me with the best course of action to take. Thanking you in advance for your cooperation with this matter.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC (CA)

Dear CFPB, I have had problems with my current lender for over a year now and have reported these issues to your agency multiple times. 
My lender, XXXX is completely unethical and uncooperative. 
We are in the final stages of refinancing our home with a new lender but are unable to close due to Citadels refusal to communicate the right information with the new mortgage company. 
This is our second attempt at refinancing our house. The first one also didn't close due to the exact same issues. 
Moreover, Citadel has the audacity to not credit our monthly mortgage payments and hold the funds in a suspense account, and not report our payments as current to the credit agencies. 
I have called and emailed their representative multiple times but have not heard back. 
We are in dire need of help. 
Please be so kind and look into these practices. 
Thank you very much. 
With best wishes, XXXX XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

My credit report shows a collection from Midland Credit Management. I do not nor have not had any open account totaling {$650.00}. I do not believe this debt is accurate. I the natural person never gave Midland Credit Management consent to report anything to the credit reporting agencies nor do I have a contract to do business with them. Therefore, my position is being clearly stated, the account does not belong to me, meaning that Midland Credit Management is reporting inaccurate account information within my credit file. I am well aware of my rights as a consumer. Per the language of the Act, Midland CM is in violation of 15 U.S. Code 1692e. False or misleading representations The Fair Credit Reporting Act requires that the credit-reporting agency report accurate and/or correct account information within my credit file.
Consumer complaint received 2022-03-17
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: VW Credit, Inc (NY)

I submitted a complaint # XXXX on XX/XX/XXXX to have Volkswagen cease from calling me with robo calls which I have confirmed with Volkswagen they received on XX/XX/XXXX. I received another robo call on XX/XX/XXXX and called Volkswagen to advise them to stop again. I then received another robo call on XX/XX/XXXX and called Volkswagen back to advise them to stop again.
Consumer complaint received 2022-03-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (FL)

Started a loan with us bank on XX/XX/XXXX no documents were requested regarding said loan until XX/XX/XXXX after my offer was accepted on a property on XX/XX/XXXX. Throughout the process there has been a lack of communication regarding my loan and documents needed. My original loan officer XXXX XXXX actually resigned during the middle of this process and it was handed to a manager by the name of XXXX XXXX ( phone XXXX ). XXXX has been extremely slow to communicate throughout the process, communication from him is typically after business house between the hours of XXXX. With the delay in information my closing was set for XX/XX/XXXX which has been pushed back multiple times and now leaves the sellers of the house potential being XXXX  as their buyer is no longer willing to extended the contract on their home to purchase. I can supply emails and text treads throughout this process to show of the delays. My loan officer XXXX  fore refuses to call me or ask for any information, she speaks to third parties and not myself directly. This case has caused me to miss numerous hours of work as well as pain and suffering from miscommunication
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOA Collections LLC (NV)

I own a home in XXXX XXXX in which I had tenants in. In XXXX of XXXX the tenants asked if they could park their RV on the side of the house. The HOA said yes they could. Then the HOA later said they mis informed us and the RV need be removed. They tried to fine us and we disputed the fine. The HOA dismissed ALL THE FINES. However, HOA COLLECTIONS LLC, is still trying to collect {$510.00} for the " paperwork '' that they did. Hoa Collections LLC first billed us for {$150.00} and now it is {$510.00}. XXXX at HOA collections LLC, who has emailed me, has made false allegations. When she first billed us about our RV fine, I wrote a dispute that she said she would put in front of the board. She then came back and said the board denied my dispute. Well, my husband is friends with a guy on the board and he stated that XXXX never put my dispute before them. Also, XXXX was threating me over the phone and I told her I was due to have a XXXX  in XXXX of XXXX and I could not meet with the board right away and she continued to harass us. She also told me that my emails were not composed properly and wouldn't send it to the HOA board, I was in the hospital writing the emails and later found out that there is no format that the emails have to be in. She was harassing me after I had my XXXX just to be mean and cruel. She has not stopped for now it has been over 3 years. This is ridiculous. The HOA made a mistake, we fixed it and the collections agency is continuing to harass us. XXXX yelled at me on the phone saying that I didn't make any sense when I tried to call her to explain to her what was going on. She is now just harassing us to bother us and I have had enough. We are in the clear with our HOA but somehow she is trying to collect over {$500.00} from us for nothing! I had another XXXX in XXXX of XXXX and told her that I had just had a XXXX and to stop with the harassing emails and she still hasn't. It is ridiculous. She sent us an email in XXXX of XXXX, this has gone on for over 3 years!