davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
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: CITIBANK, N.A. (CA)

Citibank keeps reporting a charge off on all three credit bureau since XX/XX/2019 and still reporting today. I have sent in multiple complaints to rectify this situation. This is not my account and I would like for it to be removed. The company states that this is my account and has been verified.
Consumer complaint received 2022-07-08
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right letters and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
cores Details I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX/ {$5900.00} / XX/XX/2022 XXXX XXXX XXXX/ {$2600.00} / XX/XX/2022 XXXX XXXX XXXX/ {$7600.00} / XX/XX/2022 Cancel contract. Please provide the original contract or delete I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address 1 put on the from area.
Consumer complaint received 2022-05-01
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. (NC)

In accordance with the fair credit reporting act XXXX  # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (NV)

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 719XXXX has me at a score around 590. 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 2022-11-19
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: LOBEL FINANCIAL CORPORATION (CA)

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 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 2020-10-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (TN)

Speedy Cash withdrew money from my checking account without approval. My debit card was changed and on Friday XX/XX/2020 they withdrew more money out of my account. I asked for them to stop taking payments out of my account and the representative said further collection efforts will continue then hung up.
Consumer complaint received 2020-10-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have an account showing on my credit files from XXXX XXXX ( Account number listed : XXXX ) I have never had an account with XXXX XXXX. This is a fraudulent account opened by someone using my identification. 

The loan shows that it was opened in XXXX of 2018 and no payments were ever made on it. 

I have disputed this with all three bureaus and it remains on my account. I have contacted XXXX XXXX for their dispute process. They agreed to send me information to start a fraud investigation. I have not received it.
Consumer complaint received 2020-10-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have an account showing on my credit files from XXXX XXXX ( Account number listed : XXXX ) I have never had an account withXX/XX/XXXX. This is a fraudulent account opened by someone using my identification. 

The loan shows that it was opened in XX/XX/XXXX8 and no payments were ever made on it. 

I have disputed this with all three bureaus and it remains on my account. I have contacted XXXX XXXX for their dispute process. They agreed to send me information to start a fraud investigation. I have not received it.
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (MI)

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 719XXXX  has me at a score around 590. 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 XXXX XXXX now.with no help.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I was under the forbearance program, then at the beginning of XXXX, I received documentation from SunTrust dated XX/XX/2020 which included a Payment Deferral Agreement which I signed and returned. In the agreement I was told my new monthly payment of principal, interest and scrow payment would be {$3100.00}. This payment was due on XX/XX/2020. XXXX XXXX, I spoke with a home preservation representative to whom I made the XXXX payment by electronic check. I was told that my payment was going to be held to be apply on XX/XX/2020. Today, XX/XX/XXXX, I looked over my online bank account with Suntrust and realized that my payment had gone up in the amount of XXXX, and it read that my next payment due was on XXXX, XXXX, 2020. I called Suntrust and asked for an explanation on the situation. I was transfer to the customer service payment solution, and to my surprise, I was told that my payment was short, and they were holding my payment because of the shortage. I got transferred again. In total I was transferred 4 times ( spoke with 4 different people ) and no one was able to explain : The letter dated XX/XX/2020 stated that my payment for XX/XX/XXXX and beyond was going to be XXXX and now Suntrust is stating that my payment is {$3100.00}. Also, I was never notify of the shortage, no notification was sent to me explaining the shortage. I am now concerned this will be reflected on my credit. I spoke with 4 different people and no one was able to explain why there are two different amounts for my mortgage payments. Also, they were not able to locate the documentation which included the  Payment Deferral Agreement.
Consumer complaint received 2020-10-08
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. (TX)

In XXXX and XXXX of XXXX, I experienced technical difficulties with XXXX XXXX processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to XXXX XXXX to have these erroneous late payments removed. I never received any correspondence back from XXXX XXXX.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

I tried to make a donation to XXXX a well known XXXX for the total gift card amount of {$50.00} using a gift card from vanillagift.com Card Serial # XXXX XXXX, from Vanilla told me it was impossible to unblock the purchase as it was being flagged as inappropriate. This was after I tried to check my balance online. The online system also failed. 

I have worked in finance and it is my belief that Vanilla ( https : //vanillagift.com ) is purposely making it difficult for people to spend their money. This is a good scam, but should be stopped.
Consumer complaint received 2022-07-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (VA)

On XX/XX/2022 I submitted a loss mitigation package to Freedom Mortgage. I was informed on XX/XX/XXXX that the package was missing a copy of my taxes and paystubs for my husband. I called Freedom and explained that the taxes were filed and mailed to the IRS in XXXX and we my husband did not have paystubs because he is self-employed as an XXXX. I was then told to send in IRS form F4506 and my husband 's bank statements showing deposits from work that he'd done. We resubmitted the requested information on XX/XX/XXXX. I called a month later on XX/XX/XXXX, and was informed the loss mitigation case was closed because they needed my husband 's paystubs. I explained to the agent again that my husband is self employed and there is no way to get a paystub and there is absolutely no mention of paystubs for self employed people on their list of documents. My husband also called on that day and spoke with an agent who told them that the package should have never been closed and it was going to be reopened he was told to send over his bank statements and a signed F4506 by XX/XX/2022. We also received a letter with this same information. On XX/XX/2022 we resubmitted and completely new package since the old one was dated XX/XX/2022. I never received any communication from Freedom until I called on XX/XX/2022 to check the status and I was told that the package was with the underwriter for final approval and there was nothing else I needed to do. On XX/XX/XXXX, I received a letter from Freedom demanding the entire past due balance by XX/XX/XXXX. I call Freedom to find out when they sent an denial letter for the XX/XX/XXXX application and they said the " denial was issued in XXXX ' '' What about my XX/XX/XXXX application? So I was told to submit yet another package and we did on XX/XX/XXXX, with all of the requested information, including the tax return and the profit loss statement. I reached out to Freedom on XX/XX/2022 after receiving a letter from a XXXX attorney. I was informed that once again, my package was on hold until they received my husband 's paystubs. I reiterated again that he does not have paystubs because he is self employed and I was told again, that he needed to have them or they would not move forward. My frustration is there is nothing about paystubs in their list of required documents for self-employed. The requirements for self employed people state they only need the Schedule C and Profit Loss Statement.
Consumer complaint received 2022-07-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

To Whom it May Concern : My complaint is in regard to Experian and there inaccurate reporting and incomplete investigation of my dispute. Initially, I thought my issue was with XXXX. However, after writing XXXX and speaking with their legal department, they informed me that they indeed were reporting my payment history accurately and advised me to open a dispute with Experian to have it corrected. I had thought all this time that I had missed a payment! But I know that my payments were set up to autopay. In that moment, I realized that they had opened and closed my dispute with no real investigation. I went to check how the late payment was reporting on the other two reports through my Experian account and to my surprise, there was no late payment on XXXX and XXXX. XXXX had responded correctly that they had reported it accurately. Experian is the only agency reporting the information incorrectly after opening and closing my dispute as quickly as possible and with no resolution. This negligence has inconveniently negatively impacted my credit score in challenging time in our country, where having access to credit can make or break you and all you hold dear.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (CA)

TD account number : XXXX TD debit card number : XXXX I canceled my TD checking account. I used my debit card to return items at XXXX after the account was closed. I never received a check or refund for any of the following transactions and have contacted XXXX who tells me they successfully sent the money to the credit card. 

XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX I called TD on the following two dates : XX/XX/XXXX ( XXXX customer service ) and XXXX ( XXXX supervisor timestamp XXXX XXXX  EST ) XXXX sent an email to the department that would handle closed account transactions to get information. When I called back XXXX told me the department claimed they never had any record of the 'transaction ' or of a store attempting to give me a credit. I never gave a specific transaction the first time. I was not allowed to contact the department directly or dispute the transaction ( I was told I could not dispute the transaction - not receiving credit- unless I had a complete record of when I purchased everything I returned - not just the information from the refund ). I was never given an option to escalate the inquiry or request an investigation. I was left with no options other than to just lose money. 

I checked with XXXX and they sent the refund over and from there everything is the responsibility of TD ( attached proof from XXXX ). The debit card accepted the transaction and did NOT decline it. I will to get a full refund of the amount TD owes me, as well as full records of my account in case there are other transactions I am unaware of since TD is refusing to give me records or let me speak to the proper department and is handling this inappropriately and irresponsibly.
Consumer complaint received 2023-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (UT)

A notice of default was filed on XX/XX/XXXX against the Estate of XXXX XXXX XXXX who is the borrower -- now deceased -- on a HELOC illegally obtained in XXXX. Her XXXX daughters as co-personal representatives were served notice of the default. in the The lien on my property is in the amount of {$500000.00} because she used my home as collateral without my approval or knowledge. She manipulated recorded ownership documents to qualify. My home address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( mailing address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). XXXX was using an expired trust to convince Wells Fargo mortgage department that she was eligible to act as trustee for her daughter 's estate, the Estate of XXXX XXXX which was the legal owner of record of the property at the time. She was granted a personal loan by claiming it was her primary residence which it was not. In fact, all correspondence to her went to her personal primary residence on XXXX XXXX and not our home. We are subject to the foreclosure. This is negligence and fraud on the part of Wells Fargo as conspirator in granting this loan.
Consumer complaint received 2022-08-20
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. (TN)

last year I became a victim of identity theft by my XXXX XXXX. there were multiple accounts opened with XXXX XXXX. I originally sent XXXX XXXX fraud affidavits and a police report to correct the issue but they only closed XXXX of the accounts as fraud leaving me with XXXX accounts I did not open. XXXX XXXX XXXX  and XXXX. since this complaint is against Transunion I will not go into the situation with XXXX  bank as to how I am a victim of identity theft for the XXXX  accounts but not the others as they were all opened around the same time frame. after a few moths of going back and fourth with XXXX XXXX I filed a complaint with Transunion which I followed the forms from them carefully and fully attaching both a FTC identity theft affidavit and a police report. Transunion has refused to remove the accounts shown above with no explanation as to what they used to determine the outcome. I have exhausted myself and spent hours upon hours to correct my credit report to no avail. its obvious I was a victim of identity theft as they can see XXXX other XXXX  accounts being removed for identity theft. I really need the CFPB help with this as I'm now left with only one option to hire a attorney which will cost me a few thousand dollars that I should not have to pay as Transunion and XXXX XXXX have violated my federal rights as to the fair credit reporting act and the fair and accurate credit transactions act. this situation has affected me XXXX I'm exhausted and truly becoming XXXX  as I watch my credit score and report be destroyed. thank you for your time and assistance.