davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX ( XXXX ) XXXX I have tried calling explain to company my identification was confiscated and ive pressed charged on the person and I didnt make this purchase. 
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Paid off a home mortgage with SLS in XX/XX/XXXX. There was a 2 escrow surplus checks ( {$360.00} dated XX/XX/XXXX and {$2000.00} dated XX/XX/XXXX ) issued to the estate of my partner ( deceased in XXXX ). The estate was closed in XXXX. I was the Power of Attorney and Executor Administrator and beneficiary of the estate. The mortgage was in his name which I continued paying. I refinance this mortgage with another company in my name in XXXX of XXXX. 
I have called SLS in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I faxed the documentation to SLS on XXXX XXXX as they had requested per phone call in XX/XX/XXXX. SLS confirmed documentation had been received per each phone conversation in XXXX, XXXX, XXXX XXXX and XX/XX/XXXX. Per all phone calls a rep said a check would be reissued to me in my name and they had the necessary documentation. 
Needless to say - no escrow surplus check has been received.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Negative accounts was not verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-11
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I SENT MONEY TO XXXX FOR WESTERN UNION IN XXXX CALIFORNIA XXXX. 
LOCATOR # XXXX. XX/XX/2016 AT XXXX US/TIME. THE RECEIVER NEVER TAKE THE MONEY. I CALL TO WESTERN UNION TO THIS NUMBER : XXXX. THEY TOLD ME. I CAN CANCEL THE TRANSFER MONEY. TODAY IS XX/XX/2016. THEY NEVER TRY TO CALL ME. THEY DONT REFUND MY MONEY ( XXXX USD. I SENT XXXX USD + XXXX FEE ). I CALL TO THEM MANY TIMES BUT THEY TOLD ME A NEED TO WAIT. I HAVE THE RIGT TO REFUND MY MONEY IF WESTERN UNION DOES NOT FORWARD THE MONEY RECEIVED FROM WITHIN 10 DAYS. SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE. PLEASE PAY ATTENTION TO THIS LETTER. BECAUSE THE PEOPLE WESTERN UNION NO LISTEN TO ME.
Consumer complaint received 2017-05-23
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: MIDCOUNTRY FINANCIAL CORP (MN)

I have  XXXX  hard inquiries on my credit report that I have been done without my consent.  XXXX  from  XXXX    XXXX      XXXX   XXXX   dated  XXXX   XXXX   2017,   XXXX  from  XXXX   XXXX  dated  XXXX   XXXX    XXXX   and  XXXX  from  XXXX   XXXX  dated  XXXX   2017
Consumer complaint received 2023-03-28
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)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 2020-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

On XXXX XX/XX/XXXX, a balance transfer of {$2500.00} was transferred from CITI Cards, PO Box XXXX, XXXX XXXX, SD, XXXX to XXXX XXXX. 
CITI XXXX has never acknowledged the payment and has continued to extract payment from my bank account using a forged document until a stop payment was issued in XX/XX/XXXX. Since then they have attempted to collect the debt using such tactics as phone calls, reports to the Credit Bureau and a notice of assignment to a collection agency. 
A subsequent investigation of the original debt revealed the following : XXXX XXXX XXXX XXXX ( Replacement of Roof ) Date of Sale XXXX XXXX Job No. XXXX Initial Payment {$2800.00} Final Payment {$6700.00} Total Price {$9500.00} The final payment ( online ) was in XX/XX/XXXX. 
On XXXX forged Check XXXX was issued by this company for the amount of {$570.00}. Thereafter, checks numbered from the series XXXX have been used to collect payment, This is evidently a scheme targeted people who do not keep close controls on their bank account. 
The totals to date : 60 transactions {$14000.00}
Consumer complaint received 2023-03-28
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. (NV)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} ; XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MD)

Invalid notation of a XXXX account alleged debt on my Experian Credit Report. I have no accounts with XXXX XXXX XXXX now and did not in XXXX. 
The report notes a credit line. I never had a credit line with XXXX XXXX XXXX. The credit report notes that the delinquency was first reported in XXXX. All of the information contained in the credit report is FALSE.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NAVY FEDERAL CREDIT UNION (MD)

The Navy Federal Credit Union refused access to my husband 's account due to a nearly 30 year old debt incurred by his ex-wife. Subsequently, the money was garnished from his account when we questions the validity of the debt. I called Navy Federal 's collection department and spoke with a very rude man who hung up on me. This entire incident was reported to Navy Federal, the representative apologized but said she was unable to assist or have the money returned. I recently learned that their was a civil claim filed against Navy Federal, would this situation warrant legal action on my part?
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

As of XXXX XXXX, XXXX  I have not been able to get the credit card companies to correct my address and phone number on my account. Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful non compliance. The address are where I do not live are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , The phone number are : { XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX I don't know who these numbers belong to so I am asking them to delete them.
Consumer complaint received 2024-01-26
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a zero balance and closed. I've submitted disputes to all three credit agencies. I've asked for a open balance letter from XXXX showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX dealership to explain the situation. They immedialtely called XXXX XXXX- they could not rectify the problem.
Consumer complaint received 2016-12-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, or age ( provided the applicant has the capacity to contract ) ; [ XXXX ] to the fact that all or part of the applicant 's income derives from a public assistance program ; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The law applies to any person who, in the ordinary course of business, regularly participates in a credit decision, including banks, retailers, bankcard companies, finance companies, and credit unionsXXXX
Consumer complaint received 2015-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: WELLS FARGO & COMPANY (DC)

XXXX XXXX, XXXX has constituted sending me an invoice for payment on an account from Wachovia Bank. It appears that several of these debt collections agencies are attempting to collect on this invoice. This is n't the first time I 've seen this bank just different collector.
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Paramount GR Holdings, LLC (GA)

My loan was closed in fraud, in my opinion. 
I had from the start of the loan process stated that items on my credit report were not mine or in the process of resolve. I was told on several occasions that those items would be removed from the final closing statement, and was told to just sign the paper work. 
When the final closing paperwork came, it still had the items on it, I penned my initial and struck each item that was to be removed. Once again I was took to just sign the paperwork and their company would make the adjustments. 
As of this date the loan company is holding monies on items struck from the closing statement and I 've tried to get resolve, but have been stonewalled by the persons doing the loan and their Georgia Supervisor. 
At this point I feel I 've been screwed, by a predictor mortgage company. 

Please Help, XXXX XXXX XXXX
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + TransUnion, In my latest credit report dated XX/XX/2022 there are inaccurate variations of my name and wrong mailing addresses that need to be corrected. 

Attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shots on where they are located on my credit report Please have these handled as soon as possible.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc. (CA)

In XXXX of last year Kikoff lending closed my account after I said it was closed I error they refused to reopen the account. Although I have money spent on the account and I can no longer access and download the products o purchased on the app. This company is a scamI uploaded emails saying they won't open my account.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY (FL)

I had ( 2014 ) a Secure Credit Card with Wells Fargo for XXXX XXXX they pay a unauthorized charge for XXXX $ that I never authorize, so at this point they are reporting me to Credit Bureau for XXXX amount of XXXX XXXX and I was asking to send me the contract agreement I sign but they never send.
Consumer complaint received 2015-06-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (TX)

To Whom It May Concern at the CFPB : I am a Wells Fargo customer, and when I used a non-Wells Fargo ATM, I was charged something like {$3.00} to withdraw {$20.00}. I understood that I would be charged that amount and agreed to pay it even though I consider the amount of the fee an obscenity. 
When I received my next feed statement from Wells Fargo, I saw that Wells Fargo had charged me an additional {$2.00} to withdraw {$20.00} from a non-Wells Fargo ATM. 
I am writing to complain about the Wells Fargo fee, which I did not know about at the time I withdrew the money. Such a fee is gouging. 
Can your organization get Wells Fargo and other banks to stop such gouging?
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a zero balance and closed. I've submitted disputes to all three credit agencies. I've asked for a open balance letter from XXXX showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX dealership to explain the situation. They immedialtely called XXXX XXXX- they could not rectify the problem.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I would like for Experian to obey the law and block these fraudulent accounts and stop being negligent so I can obtain credit for future endeavors. I 've attempted to clear this matter twice before and if this is n't resolved I will see them in court and SUE. Please block and remove this items per section 605B of the Fair Credit Reporting Act by blocking fraudulent information resulting from identity theft. I filed an affidavit and identity theft report and these items still remain. These are the accounts below : Account Name : XXXX Account Name : XXXX Account Name : XXXX Thanks for your help in this matter.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OR)

For some years I had been a member of XXXX and in the fall of last year it was acquired by PNC bank. Part of the information mailed out to me was that I would get a new card among other things for my account, which never happened. As this was a secondary account I had just in case I needed a local bank I didn't think much of it as I didn't need daily access to the account. Fast forward to this summer after I've moved and imagine my shock when I start getting forwarded mail that my bank account has been emptied due to service charges and paper statement fees. My account at BBVA had no minimum balance required to avoid service charges, nor was it set up to send me paper statements. It's awfully predatory to acquire a bank that provides free checking and then switch all those customers over to a product that requires a non-trivial balance and then start stealing their money without sending explicitly worded letters and an easy way for them to close their accounts. The best part now is I can't even easily access the small pittance of money PNC has left me because after calling them on XX/XX/XXXX they somehow can't give me access to my account and now I'm left in limbo waiting to hear from them before I can take any further steps. I don't want to, nor have I ever wanted to bank with PNC, at this point I just want them to return the money they have stolen from me ( it's disingenuous to call this anything other than theft when they actively pursued and acquired a bank with no minimum balance and then switch everyone over to paying service charges without any other easy option ) and close my account. I fear without making this complaint I will keep getting the run around ( they couldn't even get my access to my account when I called ) and they will try to hide behind the fact that they sent out generalized mass mailers when the acquisition of BBVA occurred despite this mass mailers having little, if any directly actionable information ( how can I log into my PNC account without the PIN or debit card they said they would send? ).

Let me reiterate, the average banker expects their accounts to stay the same even through an acquisition, not to suddenly start being charged fees that weren't even a possibility when they first signed up for the account. How this is considered an acceptable or legal practice to acquire smaller banks and start fleecing it's customers for thousands is unbelievable.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have [ XXXX XXXX  XXXX XXXX XXXX XXXX ] also shown on my ID for proof There should only be one address listed on my report. Ive enclosed documentation providing proof of current address to make deletion easier. 
Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled [ XXXX XXXX ] my name only has one correct spelling My photo ID is enclosed to show the correct spelling.