davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Seeking to have credit bureaus remove a tax lien filed by the State of Georgia which has been paid and satisfied for more than 4 years. Additionally, the lien was filed in XXXX of XXXX so i believed that the lien would fall off my credit reports after 7 years, being XXXX XXXX. 

Upon contacting Transunion and XXXX today XXXX XXXX/XXXX/XXXX XXXX to confirm that this would be removed in XXXX once the 7 year mark had hit from its original filing date, I was informed that legally my tax lien must be reported for 10 years by law with a removal date of XXXX XXXX or to get an order from a judge ordering its removal. However, after viewing the Georgia XXXX website XXXX it specifically states the following ; " The Department has no control over the length of time that credit bureaus keep public information on a credit bureau report. To update your credit bureau report, you must contact the credit bureaus directly. If the Department recorded a state tax lien against you in error, the Department will amend the lien by stating that it has been officially withdrawn. Please note that the Department can not instruct a credit reporting agency to alter its records regarding this error because the Department does not report the recording of state tax liens to any such agencies. '' So there seems to be no such order of removal process in the state of Georgia or law requiring credit bureaus to report satisfied tax liens for any specific amount of time. It appears Georgia residents have no way to request satisfied tax liens be removed from credit reports. 

I am requesting your organizations assistance in having this lien removed from all credit bureaus in good faith as I paid the tax debt ( {$1500.00} ) once I learned there was a judgment and had been reported as a tax lien more than 3 years ago ( XXXX XXXX ) and additionally exercised patience in believing that the public record would be removed after 7 years of its filing date only to learn that the credit bureaus can report a public record for any length of time they choose, in this case 10 years, even though my state agency does not mandate this. 

I have attached a copy of the letter from the XXXX clerk office showing the date the lien was paid/satisfied and ordered removed for the XXXX clerk office. The bureaus advised that this letter does not suffice for removal.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY (PA)

I continue to receive mail, addressed to the former resident of my house, from TD Bank ( credit card services ) even though I have been living here for over 5 years. Their customer service claims they are unable to fix the issue. I do not know if it is just junk mail or legitimate communications they are trying to reach their customer. They directed me to their marketing opt-out hotline, but I refuse to give them my social security number just so they can fix their own customer database.
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

Last month I expected, incorrectly, that the Social Security payments my wife and I receive would be increasing. In fact the increase happens this month. As a direct result my XX/XX/2022 payment was returned for non-sufficient funds. This much was obviously my mistake. Historically however XXXX has re-cleared any check returned NSF without any comment. This time I received an email telling me that the check was returned and that it would be re-submitted on the XXXX. The email also stated that if the check was returned again no further submissions would take place. Since I have already received my XXXX 1098 and since it appears the payment will be returned again I first emailed them, twice, asking them to submit the payment one last time as my wife receives her social security payment on the XXXX XXXX of each month ( mine comes on the XXXX XXXX  ). When no response was received I decided to call them today. I spent over 27 minutes on the phone only to be told the same mindless rubric over and over that they could not submit the payment again because it was against their policy. Accordingly I asked for whoever worked there that could make a policy exception. I even explained to both XXXX and whatever " Team Lead '' he transferred me to that in my XXXX years in banking making policy exceptions was literally part of my job. First as an XXXX XXXX and later as a XXXX XXXXXXXX at multiple banks. 

Both XXXX, and the Team Lead, insisted that NO ONE at Rocket Mortgage had the authority to make a policy exception. They went so far as to refuse to transfer me to anyone in the executive offices based on a fabricated explanation that I would only be referred back to them just to hear the message again that they couldn't make an exception to policy even though neither one of them understood why the the policy existed. Since that was the ONLY reason I called and given my experience in the financial services industry during which one of my primary jobs was to decide whether or not to make a POLICY EXCEPTION it is simply impossible for me to believe that no individual at the company could make a policy exception. I I have no idea what they think the purpose of customer service is but in my world it's about doing everything one reasonably can to make customers happy. I've certainly had to say no to customers however I NEVER said no by regurgitating the term " that's not our policy. '' I would actually explain WHY our policy said what it said and, if appropriate, I would and did ( many times ) make exceptions. Since I can not believe no one at the company can make an exception I am asking that you document this communication as part of your regulatory process and contact me if you have any quesstions.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.
Consumer complaint received 2019-01-08
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: EQUIFAX, INC. (SC)

I am continuously having an issue with Equifax putting a freeze on my credit report, which is interfering with the mortgage company from retrieving my credit report and score. I am in the process of buying a home and this is the only credit bureau that freezes my credit report and score. I have verified that the mortgage company is putting my information in correctly. I have also called equifax to verify and resolve the issue but equifax is not removing the credit freeze.
Consumer complaint received 2023-03-31
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. (AL)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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 2019-01-09
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. (IL)

I am just amazed that 3 credit bureaus all at once managed to do the opposite of what I requested. I asked for an investigation of items on my reports, none were done. I requested no fraud alerts, fraud alerts were added without my permission ... Can someone tell me why after providing the enclosed required documents to identify myself, the credit bureaus claim not to receive it ...? Why no investigations have been started after more than 30 days. This is a blatant violation of FCRA regulation ...
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX. XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Hard Inquires accountsXXXX 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  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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-09
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (WA)

Used XXXX to transfer funds from Wells Fargo bank account to another Wells Fargo account to pay rent on XX/XX/2019 for {$500.00}. The person I was transferring funds to did not receive funds. Contacted Wells Fargo and filed complaint. They informed me that they could not help me and closed complaint because XXXX is not affiliated with them. They do advertise and encourage it on their website to pay bills with. Disappointed that they would not assist in getting funds back.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXXDEPT OF ED Account number XXXX 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b ) states a creditor may not treat a payment on an account as late for any purpose.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The last time I sent a complaint XXXX they responded that they deleted the fraudulent inquiries. Today is XX/XX/2023 and I will upload a picture where all the fraudulent inquiries are still on my credit report. This is a joke for them and I'm sick of making complaints and nobody is doing anything.
Consumer complaint received 2022-07-25
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. (PA)

I have disputed and contacted XXXX, Transunion and XXXX. It is their job to do a thorough investigation. They are also obligated by law to report correct information. I am concerned about the validity and accuracy of each Credit Company 's investigation of these accounts that are reporting on my credit report. I have asked them to provide an original contract regarding XXXX XXXX, XXXX XXXX, and XXXX. They did not provide which I am entitled to by law, proof of the original contract bearing my signature and a copy. Incorrect information is being reported when I reviews my 3 credit reports. They did not do a thorough investigation and did not provide a statement which I requested. XXXX is reporting a {$0.00} balance ( charge off XX/XX/2022 ), XXXX is reporting a {$700.00} balance ( charge off XX/XX/2022 ) and Transunion is reporting a {$700.00} balance ( charge off XX/XX/2022. This shows that their investigation was not conducted correctly and thoroughly. In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Transunion has violated my rights. 15 U.S.C 1681 Section 602A. I have a right to my privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also, according to 15 U.S.C. Section 1681i ( a ) if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They had 30 days to investigate. Wrong information is being reported and I want these accounts deleted off of my credit report immediately.
Consumer complaint received 2015-08-14
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Onity Group Inc. (IL)

This is for a HELOC which became due in XXXX. However, the company had sent me a misleading letter in XXXX, telling me that the term would expire in one year, meaning XXXX of 2015. Even though I have requested them to stop calling me every day, and sent them a certified letter to that effect, they continue to harass me with a robotic call every day at XXXX. Our situation has not changed - we are trying to refinance our house in order to pay off the HELOC.
Consumer complaint received 2022-03-09
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

1. My deceased husband 's property that he owned with his parents who are also deceased was foreclosed on XXXX XXXX 2016. According to the court records the foreclosure process was filed on the same date as when the paper work was supposedly served to my deceased husband. However, my husband was never served as he was hospitalized prior to his death during this time frame. 
2. Prior to his death, my husband, and our son tried multiple times to resolve the debt, but were mis-led by the debt collector on how to resolve the debt.
Consumer complaint received 2015-04-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (GA)

I have a new phone number and the last person that had this number apparently had several debt issues. I have notified the company several times that I am not the individual they are looking for and to please remove me from their lists, however, they have not done so and continue to keep calling me.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I check my Transunion credit report and seen 9 hard inquiries that was not mines. 

I called Transunion many times to get them removed but they keep insisting me to call the creditor. I place a fraud alert on my credit file until these inquires are removed.
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2019 I made a booking on XXXX for XXXX XXXX XXXX KY stay. Unfortunately during the check out the price was not discounted by {$20.00} as per offer sent to me ( attached ) despite all criteria being met. I called the Wells Fargo customer service with intention of disputing the purchase and the bank failed to dispute it. On first contact, the representative indicated that she will be the one arranging and handling the dispute and when I gave her all the info pertaining to the transaction I was told that I am going to be transferred despite what was indicated to me a few minutes earlier. When I have heard this info I requested to be transferred to the supervisor and confront the bank why the info given to me at the beginning of the call was misleading. As result of the conversation that transpired next I was told that the real motive for giving me a incorrect and misleading info was the WF to weed out unauthorized and compromised card use and not to initiate the dispute process as I am entitled to under the credit card user agreement. 
When I was finally told that I will be transferred to the dispute dept to initiate the dispute process I was put on a very long hold and then subsequently the call was disconnected. 
I got a follow up call shortly after from the CSR of which the purpose was made unclear to me. 
Personally I think it is reprehensible that the WF is preventing consumers to dispute purchase by providing not only misleading info to the consumers but using the calls for the purpose other than declared. This clearly shows the WF culture as not only contrary to what is stated as its operating procedures but perhaps even violating state and federal laws. The company should make it CLEAR what is the dispute process methodology right from the beginning instead of making the process cumbersome and misleading which I believe is done on purpose to dissuade consumers from dispute process.
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Called from XXXX say that they were a process server and we're attempting to serve me for a lawsuit on behalf of 5/3 bank. They gave me this this phone number XXXX. I called and talked to XXXX and I he sent me documents from XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX # ( XXXX ) XXXX. I set up a payment plan but now I can't find any information on the firm and when I search the address nothing shows up.the debt is no longer on my credit report. I've not received any mail from them and I think I've been scammed.
Consumer complaint received 2015-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (KY)

Dsg Collect keeps calling me stating that I owe money for tuition from XXXX XXXX XXXX a former employer of mine ). I have consistently stated that I do not owe the money as the training was required for the job I had with XXXX XXXX. I finally received a letter from XXXX XXXX in XXXX 2015 stating that I did not owe any money and that any debt collection agencis have been notified that I do not owe anything. I received a call from DSG collect again XXXX XXXX, 2015. I told them again I do not owe any money and now have a letter from XXXX XXXX stating that fact. They gave me an email address to send a copy of the letter to which I did that day. I received another call from DSG collect on XXXX XXXX, 2015 stating again that I owed money. This time the person tried to tell me they were an employee of XXXX XXXX. I quickly found out it was DSG again. I told them I already sent the proof I do not own but they stated they did not have that record and that they have made a negative report to my credit rating. I asked where I could send the letter to that I do not owe and was given the same email address as before. I sent the proof that I do not owe again.