davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise 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 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the 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 is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

- We applied to get our PMI removed in XXXX of XXXX through a BPO which Wells Fargo has as an option on their website and for their loan/mortgage holders - Wells Fargo sent someone out in XX/XX/XXXX to do a walkthrough of the house we did not pick this person ( more than 30 days after our initial inquiry ) - XXXX through XXXXX - Third Party rejected the BPO that was sent in due to square footage ( we finished our basement so SF was increased ) - A second person contacted us to do an Appraisal rather than a BPO ( note this person was also sent by WF we did not pick them ) o Date set for XX/XX/XXXX o They cancelled on us a few days beforehand, saying WF did not approve of them coming - Third person contacted us and set a date for XX/XX/XXXX o They walked through the house o WF / Third Party ( whoever pays the appraisers ) did not get contract correctly or on time o Appraiser did not release information o WF opened a case and was looking into it ( supposedly working with XXXXXXXX who has not returned phone calls and messages ) - On XXXX we got a letter in the mail saying our request for BPO was being cancelled and that we did not respond to an appraiser who tried to get ahold of us o We worked with three people o Two of which walked through our house and made up reports o One cancelled o We have now taken off of work and made adjustments 3 times - Wells Fargo is not returning our calls or messages regarding this issue o Both myself and my husband have been trying to get ahold of XXXX or his superior with no luck Please note that we have been investigating The Homeowners Protection Act of 1998 ( amended in 2000 ). This is also known as the PMI Cancellation Act. We have a good payment history, we are current, we have submitted a request to remove the PMI, and we have done everything required on our end to show that our house has increased in value and that our loan balance is less than 80 % of what the house has been appraised at. 


We paid up front for the BPO to be done, and are now paying every month for our PMI which is over {$250.00} a month.
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NC)

On or about XX/XX/XXXX a teller in XXXX ( I rarely go to XXXX ) entered a hold to offset a deposit on someone else 's account. In entering the hold, she mistakenly typed in a " XXXX '' instead of a " XXXX '', and the hold was placed on my account in error. Mistakes happen, that is understandable. However, as a result 2 items were rejected on my account. I was charged 2 x {$36.00} in " returned item fees ''. After spending 2 hours over a week on the phone with the bank, they reversed these two " returned item fees ''. However, they refuse to credit me for the charges from the merchant who the items were returned to. The merchant charged me {$25.00} for each item as a " redeposit fee ''. The bank told me I needed to go to the branch, get paperwork, and then go to the merchant and ask the merchant to refund that fee. If this were my error, I wouldn't mind doing that. However, it wasn't my error. Truist put a @ {$250000.00} hold on my account that was 1 ) an error, and 2 ) had nothing to do with me. The least that they should do is cover those bad check fees charged by the merchant. My expectation is that they also contact the merchant and explain that this was an error on their part and apologize on my behalf. I don't want my 800+ credit scores damaged by a bank error. The " returned item '' fees were charged on XX/XX/XXXX and were refunded on XX/XX/XXXX. The merchant charges for the bad check were made on XX/XX/XXXX. I spent about an hour on the phone around on XX/XX/XXXX to find out what happened. At that time I was told that the " returned item '' fees would be taken care of. I called back on XX/XX/XXXX when the items were still appearing on my account and had to spend XXXX minutes on the phone before that part of the problem was resolved. The merchant charges are still not resolved.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute an unidentified account appearing on my Equifax credit report. This account lacks crucial information, including the creditor name, account type, and date opened, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ). Details of the Disputed Account : Account XXXX Account Type : [ Unknown ] Creditor Name : [ Not Listed ]. The account lacks essential identifying information, making it impossible for me to verify its accuracy or legitimacy. Equifax is the only credit bureau reporting this account XXXX. As per FCRA regulations, credit reporting agencies are required to provide accurate and complete information on consumer credit reports. Therefore, I request the immediate removal of this unidentified account from my Equifax credit report. A copy of my Equifax credit report highlighting the unidentified account ( attached ). I request a prompt investigation into this matter and a written response within 30 days of the date of this letter, as mandated by the FCRA. The response should detail the steps taken to investigate my dispute and the final decision regarding the removal of the unidentified account. If the account is not removed, I will be forced to pursue further action, which may include pursuing legal options.
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-18
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. (DC)

My credit reporting on XXXX from XX/XX/2022 is wrong. The notations about delinquencies, past missed payments over 30, credit score algorithms are all wrong.
Consumer complaint received 2023-07-22
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act US Department Of Edu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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 2022-08-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (MI)

We received a payment deferral for one payment in 2020 with Covid relief offered by Us Bank. They stated the amount due would just be collected at the end of the lease term. They are now claiming that is not the case and have showed the loan late when I made several payments. Then reported the payment as late to the credit bureaus.
Consumer complaint received 2022-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (FL)

American FIrst FInance - ( XXXX ) XXXX There are recordings of me making payment arrangements and they continuously keep taking out more than agreed upon. I advised them that I was reporting them for continually pulling out more money than agreed upon. I have stopped paying them due to them constantly compromising my banking account.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This last and final complaint before the matter is taken to District to ask the federal question for violations of the Fair Credit Reporting Act, is in reference to the previous identity theft complaint placed through the CFPB and the email that was received by Experian Information Solutions , Inc on XX/XX/2024 which suggest that I made my request to block personal information due to identity theft in error, WHICH I HAVE NOT. 
Experian Information Solutions , Inc is consumer reporting agency and I, XXXX XXXX XXXX, the federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal informationXXXX XXXX  XXXX is a financial institution by definition under that title. 
I am the card holder which was issued to XXXX  XXXX XXXX, so that I can receive a open end account with them ; to receive payments with them and defer. 

Provide strict proof that the alleged creditor is, indeed, the secured partyand holder in due course of the aforesaid alleged original agreement in issueand has an enforceable perfected security interest therein pursuant to and incompliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

I have also opted out and rescinded any authority I may have given XXXX XXXX XXXX to report about me to any 3rd party, and I have a right to privacy. 

Experian Information Solutions , Inc is also in violation of the previous conditional cease and desist what was attached. 
Please see the following attachments : Exhibit A : Affidavit of Truth/ Cease and Desist. 
XXXX  XXXX XXXX Opt Out Notice Identity Theft Report Power of Attorney, CAF Notice, Fee Schedule Opt Out Notice ( s ) Name Copyright Passport Card Invoice
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (DC)

My credit reporting on Equifax from XX/XX/2022 is wrong. The notations about delinquencies, past missed payments over 30, credit score algorithms are all wrong.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Wilber and Associates, P.C. (NC)

I have received multiple threatening phone messages regarding a car accident that I never had, in a state in which I do not live, involving a car that was sold months before any accident occurred. The debt collection company is Wilber & Associates of XXXX, Illinois.
Consumer complaint received 2022-08-18
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. (PA)

am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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. (TX)

There is information found on my consumer report that is a result of identity theft. I did not provide my written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer : XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In the event the transactions are not blocked and deleted within 15 days of receiving this notice, I will seek litigation on the 3 credit reporting agencies listed in this report per the fine of {$20000.00} per day detailed in my XXXX Lien Notice regarding damages if the violation of my consumer rights continues. Affidavits have been sent via certified mail to all 3 credit reporting agencies listed in this complaint, and a FTC identity theft report has been filed as well ( Ref. # XXXX ). You are required to do what I am asking and block these transactions from being reported to my consumer report within 15 days from the date of the receipt of this notice. I look forward to your response. Thank you
Consumer complaint received 2022-08-18
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)

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$10000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$110.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2019-02-08
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. (MD)

I am enclosing a copy of the letters that I mailed to your company via mail requesting that you verify the alleged debt your company claims I owe. I sent two letters to XXXX  and Experian. First letter regarding accounts that was not verified. It was over 30days and I have not heard back from either company. So I sent another letter regarding no response and they have still yet to respond to me. This was last year 2018 in XXXX and XXXX.
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (DC)

Wellsfargo online has been down, and not accessible since yesterday ( XX/XX/2019 ). I have been unable to conduct banking business. I have a debit, savings, and credit card through wellsfargo, so this is a considerable inconvenience.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an XXXX loan to get my small business off the ground. Your company has hurt my ability to obtain credit. the following account is in violation :11 CCS FOR XXXX XXXXXXXX XXXX
Consumer complaint received 2019-04-01
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. (VA)

XXXX  and transunion are reporting fraudulently on my report. The scores they provide are 80 points lower than my XXXX report. I have opened credit accounts in the past few months to boost my scores, but from what I see transunion and XXXX are reporting in favor of ensuring that my scores are enabling financial institutions to charge a higher interest rate, even though I pay every balance before I can be charged interest. This is what I consider as fraudulent reporting to allow banks to charge higher rates, even though my payment history is pristine.

These agencies must be held accountable. I expect the CFPB to do so.
Consumer complaint received 2022-08-18
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. (TX)

On XXXX I submitted a dispute with Transunion to remove XXXX XXXX  XXXX past due balance of XXXX Dispute number XXXX which is incorrect information but Transunion verified it as account with the results on XXXX. I have submitted another dispute today XXXX to take this off my credit report.
Consumer complaint received 2022-08-18
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)

I am a natural person, I am living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violate my rights numerous of times I demand the account listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Account : XXXX XXXX {$1600.00}