davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following accounts deleted as soon as possible : XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX  XXXX XXXX Balance : {$0.00} XXXX. CHILDSUPPORT XXXXXXXX Balance : {$260.00}
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following accounts deleted as soon as possible : XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX  XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$260.00}
Consumer complaint received 2017-07-05
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: Santander Consumer USA Holdings Inc. (FL)

Since XXXX XXXX, 2017 I have asked Santander Consumer USA and the credit bureaus that they formally substantiate all account history data Santander Consumer Usa transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Santander Consumer USA and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/2020 sent a letter to XXXX and Trans Union about XXXX XXXX XXXX account number XXXX. This was an auto loan repossessed XX/XX/2020. The letter stated there were inaccurate balances between the 3 major bureaus. XX/XX/2020 I Debt Validation Letter was sent to XXXX XXXX XXXX. I have never received a response to this request. XXXX Validation of Debt was sent to XXXX  and Trans Union for XXXX XXXX. XX/XX/2020 Second Validation of Debt was sent to XXXX  and Trans Union for XXXX XXXX XXXX XXXX I sent a letter to XXXX  and Trans Union stating some factual disputes and also that XXXX XXXX XXXX had not responded to my Validation request. XX/XX/2020 I filed a CFPB Complaint XXXX which included Trans Union and XXXX not reporting correctly according to the CFPB. XX/XX/2020 I sent a Debt Verification with specifics of the Process of the repossession, notifications, auction and payment history. This is the second time asking for validation from XXXX XXXX. I have proof this was mailed out. I also sent on XX/XX/2020 letter to XXXX Stating that a Debt Verification Letter had been sent to XXXX XXXX with all this information in it. XX/XX/2020 sent letter to Trans Union stating factual inaccuracies. I received notice on 1XX/XX/2020 from XXXX that XXXX XXXX Certified that the information was accurate. Also in that same report I saw where XXXX XXXX was adding fees to the total every month after the Charge off. Essentially late payment fees. In conclusion of this last part. XXXX XXXX XXXX did not notify XXXX of Trans Union I had sent them a dispute letter this last time either. it was not posted on my Credit report stating that. Also XXXX  was told by me in the last letter that I had contacted XXXX XXXX XXXX asking for Validation again and XXXX  still allowed XXXX XXXX XXXX to Certify the information was Accurate ignoring the FCRA. I have video of some of these documents being placed in envelopes and being dropped in the mail boxes. I have copies of certified mail receipts for some also.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   ) XXXX ,
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed fraudulent accounts from XXXX - XXXX or accounts that need to be removed on my credit report for over years to Transunion and XXXX and nothing has been done. 

Transunion : XXXX XXXX XXXX {$230.00} - This was fraud XXXX   XXXX {$0.00} - I want this removed. This account was paid off. 
XXXX ( XXXX XXXX XXXX ) {$630.00} - Fraud account. I had two for this company the other one was for the amount {$470.00} that was deleted not sure why {$630.00} account wasn't. 
XXXX XXXX ( XXXX XXXX XXXX ) - Fraud account which was deleted by XXXX  XXXX XXXX {$320.00} - Fraud account that has been on my account since XXXX and still not removed XXXX  ( XXXX XXXX XXXX ) {$470.00} - Fraud account that has not been removed XXXX : XXXX XXXX {$320.00} - Fraud account XXXX   {$0.00} that I want removed account was paid off. 
XXXX XXXX XXXX {$1400.00} account was paid off I want it removed.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX my last four of my ss # XXXX Date : XX/XX/XXXXConsumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX To whom it may concern, I have been having a problem with TransUnion credit reporting. I have been working very hard to rebuild my credit score and my XXXX credit card is  a secured one they are looking at my credit for many things to turn my secured card into an unsecured card. This problem that has been happening with my one credit card XXXX XXXX XXXX. For the 1st three months everything has been correct XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. Than I have been paying attention to my monthly updates and all of the sudden they stopped updating XX/XX/XXXXand XX/XX/XXXX and started a dispute with TransUnion as they said XXXX XXXX stopped sending them report monthly onXX/XX/XXXX. I had a printout from them showing myXX/XX/XXXX balance of XXXX which was correct. All of the sudden onXX/XX/XXXX I found out the balance changed to XXXX after many phones call many difference people who kept saying XXXX XXXX reported to them the balance of XXXX. Which was false finally I reached 2 supervisors one did fix my balance her name was XXXX and the other that was going to help before XXXX took over was XXXX. She fixed my balance to XXXX on XX/XX/XXXX. I only found out FridayXX/XX/XXXXagain the balance went back up to XXXX. TransUnion has been claiming XXXX XXXX is not reporting and XXXX XXXX resend my full history to them on XX/XX/XXXX plus they said they never got the disbute from TransUnion done onXX/XX/XXXX even as of today (XX/XX/XXXX ). TransUnion today told me they were fixing the balance again to XXXX. But the last time XXXX told me she had to get there IT dept. to fix this. Today also now TransUnion is saying to tell XXXX XXXX to contact their marketing dept. to have them fix this issue. But XXXX XXXX said that is not the problem. The following documents are attached : My letter to TransUnion Dated XX/XX/XXXX ; My credit report page from TransUnion from XX/XX/XXXX( which shows my balance of XXXX and 3 months of history ) andXX/XX/XXXX showing again the balance of XXXX inXX/XX/XXXX. My XXXX XXXX page showing my balance XX/XX/XXXXwith XXXX. My Statement with XXXX XXXX XX/XX/XXXXandXX/XX/XXXXwhich shows opening balance of XXXX fromXX/XX/XXXX. <P/>Sincerely XXXX XXXX XXXX
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 — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above. 

Thank you.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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 XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (TX)

XXXX XXXX XXXX  keeps contacting me about a debt but call me every day after I had told them not to. I spoke with phone company that I owe the debt and told me that I dont even go through Maury Cobb
Consumer complaint received 2019-02-05
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. (CA)

I am having trouble removing a fraud alert that was put on XXXX. I called XXXX on XX/XX/2019 and spoke to " XXXX '' she stated that she was a supervisor. I requested the fraud alert to be removed. She stated that she was successful in removing the fraud alert. 
On XX/XX/2019 I received a notice from XXXX they stated " at my request they have added an extended alert to the credit report and that it would remain on my file for 7 seven years. 
I called XXXX  XX/XX/19 and spoke with XXXX XXXX he stated that XXXX told them to add the fraud alert again on XX/XX/2019. My file number for the removal for XXXX XX/XX/2019 is XXXX. I requested he send me a letter stating that it has been removed he refused. 
I called XXXX  on XX/XX/2019 the confirmation number is XXXX. Received a letter from Experian XX/XX/2019 that they added and extended fraud alert for 7 more years
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage was purchased by XXXX XXXX XXXX, d/b/a Mr. Cooper effective XX/XX/XXXX. On XX/XX/XXXX, the lender sent me a message that my escrow is in deficit and that I owe an extra {$6.00} per month. My escrow account is only for PMI payments. I pay {$1800.00} every month to my lender. This includes principle, interest and PMI payment. The lender then pays PMI out of the escrow account. I don't have access to the escrow account. My loan is a 30 year fixed rate mortgage and the PMI payment does not change. 

The lender 's allegation that my escrow is in deficit is wrong and fraudulent and deceptive as I don't have access to my escrow account and I never missed a payment. I am current on all my balances and the latest monthly statement shows {$140.00} in my escrow account. The escrow review statement seems like a shakedown to increase my monthly payment on a 30 year fixed mortgage. 

I sent a letter to my lender on XXXX XXXX, XXXX asking them to fix this, but they have not responded. I also called them on XXXX XXXX, XXXX and XXXX XXXX, XXXX but they are unwilling to resolve this issue. but they are unwilling to resolve this issue.
Consumer complaint received 2022-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TN)

On Thursday XX/XX/XXXX, I contacted Ed Financial immediately after receiving the news of Biden 's loan forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made after XX/XX/XXXX. I requested a refund of payments that I made from XX/XX/XXXX, to XX/XX/XXXX, totaling to {$20000.00}. I was taken back when they notified me that the processing times would be a minimum of 150 days. I was a Pell Grant recipient. and am therefore eligible for {$20000.00} in forgiveness once the student loan application becomes live. I paid over {$25000.00} during the COVID-19 Pandemic. It seems as through Ed Financial is the only student loan provider who is quoting these ridiculous lead times for refunds. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks lead time for refunding their loan members. Also, the loan providers are already reporting their loans reflected on loan member accounts. Whats troubling is the application for forgiveness starts in XXXX and Ed Financial will not be processing any of these in time for us to receive forgiveness. Ed Financial stated my loan balance will not be reinstated for 150 business days at the time I requested the refund, but the interest rates and payments will resume on XX/XX/XXXX. Furthermore, Ed Financial told me over the phone they can not send out confirmation emails to confirm with me they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while, but it is very concerning to me that Ed Financial is stating the lead time will take up to half a calendar year when most student loan service companies are having faster lead times. despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. For me, I am a first-generation high school and college graduate in my immediate family. I made the necessary sacrifices to ensure that I never live a life like so many others with student loan debt. Seeing other loan members with other loan services reinstated their balance after requesting it just 36-72 hours later makes me very concerned and discouraged that I will ever see this money returned to me, due to the long lead time and no confirmation that a refund was every processed. I am concerned that this company does not have the best interests at heart.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (OR)

XX/XX/XXXX As an existing credit card customer I contacted Wells Fargo to make a product change from my existing XXXX card to their cashback card offering the following promotion : " Earn a {$200.00} cash rewards bonus when you spend {$1000.00} in purchases in the first 3 months. I exceeded the {$1000.00} in purchases within the first month. Contacted XXXX and was told I didn't qualify as this was not a " new '' card and that " changing products '' did not qualify. 

At no time during the conversation to change to the different card, nor in their online agreement does it state that I was not eligible for the {$200.00} cash rewards bonus and yet with the exception of one representative, they say I'm not eligible. The one representative, XXXX XXXX, later agreed with my claim, she however did not have the authority to credit my account and so I was transferred to her supervisor who I left a voicemail for. This supervisor did not return my call. After many more calls, requests for escalation in an attempt to have a conversation with a supervisor, not one supervisor returned my calls. To date, Wells Fargo has yet to provide proof that I don't qualify for the promotion. 

Following are the dates I contacted XXXX along with the representative or supervisor and the case numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX left voicemail XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX, later requested to be transferred to her supervisor, voicemail left XXXX XXXX XXXXXX/XX/XXXX : Left message for XXXX 's supervisor, name unknown, voicemail left again. Return call not received XXXX XXXX Link to the promotion and terms/conditions : XXXX Thank you in advance for your assistance.
Consumer complaint received 2022-08-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

Amerihome mortgage I was in a loan modification due to Covid. When loan came out of modification I was reported as being late because they increased monthly payments after the fact and made them retroactive. Per agreement I was to make payment of XXXX every month starting in XX/XX/XXXX. I made payments of XXXX. For XXXX thru XXXX XXXX XXXX XXXX they did an escrow review and determined I was short and increased payments to XXXX. Retroactive to XXXX if escrow wasnt caught up. On XXXX XX/XX/5804. Was made to escrow but they still increased payment and made it retroactive. The XXXX. That I had paid over the 6 months was held in suspense until modification accepted by VA. In XXXX they applied the funds at XXXX vs XXXX which left me XXXX short for XXXX and they reported me late. Even though I met all requirements of loan modification they refused to accept they made mistake so now not only am I late by 28 days by XXXX. I owe an additional XXXX. Now for XXXX. This is completely unfair and not within terms of agreement and they will not assist or help me to correct error - I have email and called multiple times but am told no one can help me. To make matters worse in process when rates were historically low below 3 % they increased my rate during modification and loan amount by over XXXX. Today we owe more, at a higher rate and am now being reported as late on our payments and unfortunately we have no method to assist/correct situation.
Consumer complaint received 2022-03-07
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. (VA)

XXXX Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( XXXX XXXX has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.