davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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. (MI)

On yesterday XX/XX/2022 I called XXXX XXXX title claims and for about the XXXX time XXXX told me that XXXX XXXX XXXX has noted " end the call with you '' click. Today at XXXX eastern time I called spoke to XXXX and were very professional. She said yes you have a claim claim number XXXX but what is your name. I said XXXX XXXX then she said another name is here an amanze too. she said XXXX is handling your claim at the national claims office starts XXXX and she said it don't have to be XXXX you can talk to anyone that answers about your claim. I called XXXX XXXX spoke to XXXX and refused to help and transferred me to the Michigan office XXXX XXXX office and spoke to XXXX indicated she wanted to help but referred me back to XXXX XXXX and after asking me to hold she told me the she had been instructed by XXXX XXXX to end the call. 

Please Investigate and secure my claims they trying to hide from me or are giving to XXXX XXXX inside the property now and protected by them in the name of fraud.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (AZ)

XX/XX/XXXX - Requested Forbearance due to financial impact due to COVID 19 - NO CREDIT REPORTING should have been sent XX/XX/XXXX - CFPB filed on Amerihome Mortgage due to consistent conflicting and contradictory information being provided across the Loss Mitigation Group spectrum - I've yet to receive a follow-up call to discuss this complaint. 
XX/XX/XXXX - Talk to Ms. XXXX # XXXX who confirmed credit reporting was still being suppressed - rep not clear if XXXX payment is required or not as Loan Modification request was still in process XX/XX/XXXX - 1st " trial '' payment of Loan Modification - NO CREDIT REPORTING should have been sent XX/XX/XXXX - Amerihome Mortgage sent a false report to Credit Bureaus advising I was delinquent and 180 days past due XX/XX/XXXX - realized Amerihome Mortgage falsely reported me delinquent and 180 days ; XXXX called service XXXX XXXX XXXX XXXX Ms. XXXX # XXXX who advised letter of apology was sent by Amerihome  to me on XXXX explaining false reporting to credit bureaus and was already being resolved XX/XX/XXXX XXXX XXXX XXXX who advised credit reporting is still reflecting Delinquent - also advised this was a firm-wide issue and i was not the only customer impacted - requested to speak with supervisor. Information taken - no supervisor return call XXXX XXXX  Resolution Team ( newly formed ) XXXX XXXX - who confirmed delinquency is still reflecting - she sent email to credit group asap to resolve XX/XX/XXXX XXXX XXXX who indicated no progress - she escalated to another credit team - advised an answer would be available by XX/XX/XXXX XX/XX/XXXX XXXX XXXX who confirmed they received a credit report from Amerihome Mortgage on XX/XX/XXXX indicating delinquent and 180 past due. Also confirmed no reporting from XX/XX/XXXX- XX/XX/XXXX no reporting had been submitted. 
XX/XX/XXXX, XXXX, XXXX, XXXX - Messages left with Resolution Hot Line XXXX XXXX - who has yet to return my phone calls. 
I explained to multiple representatives this had a disastrous impact on my ability to refinance my home which was in UNDERWRITING at the time of the false reporting - thus the loan was squashed. I have yet to purchase a vehicle which I am in desperate need of because I have no air condition and live in XXXX 
Having spent 37 years in the financial industry, it's appalling how bad this company continues to get.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (NV)

XXXX reported to XXXX  that my account was closed and a charge-off, but I have never made a late payment and I don't carry more than a {$100.00} balance ( {$3000.00} credit limit ). The problem I am having is my other credit card company BBVA said they received information from XXXX  about this XXXX account and as a result have reduced my credit limit from {$5000.00} to {$1300.00}. I've tried to explain this, but my credit limit with BBVA hasn't been restored ( since they're using false information ). 

I receive an email from XXXX  acknowledging the false information and that my report has been updated as of today XX/XX/2021. I am in the middle of refinancing ( being added to a mortgage ) and I need to make sure my credit stays as it was when I applied.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX I need your assistance I attempted to withdraw {$500.00} from the ATM at XXXX XXXX in XXXX in XXXX the ATM went thru with the function however No money was dispense..I had the 2 Managers in charge of the ATM run the Surveillance Cameras and they confirmed No money was dispense to me so for peace of mind they had the Technician open the ATM and showed when the Transaction was declined. I checked my account online and my money was taken out. The next day I went to a Citizen 's Bank spoke to the banker who requested my money return I got it on my account within a few days. In XXXX I received a letter from Citizens Bank that they taking back the money and they took the money back I went to Citizens Bank where another Banker name XXXX called the investigator advised her he saw the proof that I didn't get the money from the ATM she said she would send a link so I could forward her the proof. She never sent the linked but instead denied the case or claim..I need my money I am stressed out I have had 2 deaths to deal with in my family within the last 3 months I have to pay bills because of this .I need my money please help me I am sending my proof if you should need anything more please contact me by email .... XXXX XXXX XXXX...
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I filed a previous complaint and the company responded with the same old song and dance routine. I can't understand how a company with this much " smut '' on their face can be allowed to remain in business. I am attaching a letter and sample postings on the Consumer Affairs and XXXX XXXX XXXX sites.
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> Wells Fargo allowed someone to call in over the phone a transfer money from my savings account to my checking account in the amount of {$3500.00} dollars .After doing so there was XXXX fraudulent charges in the amount of {$3700.00}. The XXXX  fraudulent charge was at a law firm in the XXXX XXXX for {$2800.00} dollars and the second fraudulent charge was at cool vibes store in XXXX Ohio for {$970.00}. I wasnt notified about any of this activity until I went online myself an seen it
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2020-09-08
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. (TX)

On XX/XX/XXXX XXXX XXXX University reported to the credit bureau Transunion that I owed {$14000.00}. I took a class at XXXX XXXX in XXXX and my then employer agreed to pay for the class which was {$3000.00}, not {$14000.00}. For one, XXXX XXXX should have either contacted me or the employer for the payment, versus going directly to reporting to the credit bureau. Secondly, the amount reported is fraudulent and I plan to file a complaint with every agency that I can think of. I am beyond frustrated with my experience with XXXX XXXX. I attended school here from XXXX to XXXX pursuing my XXXX in XXXX. Every semester that I would speak with my advisor, new classes would arise that I needed to take in order to receive my degree. Instead of it taking 2 or 3 years, it took me nearly 5 years. Then by the time I did XXXX, I had almost enough classes for a XXXX, but NOT enough classes to sit for my XXXX. This was my sole purpose of pursuing an XXXX, in order to take the required classes to sit for my XXXX. Then, I still had to take an additional class, which brings me to where my employer agreed to pay for the final needed class. I would never suggest anyone to attend ; they are scammers falsely representing a XXXX based University. 
My main concern at this point is to have the {$14000.00} negative, fraudulent activity removed from my credit file immediately.
Consumer complaint received 2021-11-01
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. (MS)

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, requested copies of credit card agreement contract for account opened XX/XX/XXXX and for account opened XX/XX/XXXX, per phone call to Bank of America customer service at XXXX and was told that the accounts were located and would be mailed in about 10 days. I talked to someone named XXXX. 
As of XX/XX/XXXX, no copies had arrived in the mail. 
On XX/XX/XXXX, a second request was phoned to the same customer service number. Customer service stated copies were sent out on XX/XX/XXXX. customer service stated that the copies would be resent. I talked to someone named XXXX XXXX. 
As of today, XX/XX/XXXX, I have not received any copies.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

This is my fourth attempt to obtain my consumer report from Equifax online through annualcreditreport.com. I have uploaded a screenshot of this last attempt. I am using the CFPB in hopes of obtaining my consumer report from Equifiax.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian is reporting my XXXX old credit card account incorrectly. Paid XXXX XXXX {$350.00} to settle in full the {$800.00} balance on XXXX per XXXX instructions. I have a letter dated XXXX from XXXX stating I have a XXXX balance with XXXX XXXXXXXX XXXX acct ending in XXXX after my payment. The letter also states the account is now settled in full. I uploaded this letter to Experian, but they would not delete the incorrect info on my account saying I have a {$430.00} balance left on the account and they did not put settled in full on my XXXX account on the credit report. I disputed both online and via phone again on XXXX with no change. Yet both XXXX and XXXX updated my account correctly within 3 weeks to {$0.00} balance and settled in full and my scores went up. My XXXX credit report is lowered due to incorrect reporting. Please fix asap!
Consumer complaint received 2024-09-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I did not authorize As per the Fair Credit Reporting Act ( FCRA ), I am entitled to challenge information on my credit report that I believe to be inaccurate or unauthorized. I did not initiate this inquiry, and I request that you remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/2021 I made a payment of XXXX dollars due on XX/XX/2021. 
On XX/XX/2021 I made a payment of XXXX for a XX/XX/XXXX due date. 
I was charged a late fee for XXXX. I've been trying to rebuild my credit and was really paying attention to what's going on. I contacted commenity bank in regards to this and they said they will not dismiss the charge and are reporting it as late to the credit reporting agencies. I need help.
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Bessemer, Inc (AL)

The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.
Consumer complaint received 2021-02-04
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPT OF EDUCATIONXXXX  Account # XXXX US DEPT OF EDUCATION/XXXX  Account # XXXX XXXX XXXX  Account # 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 2021-02-04
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. (GA)

Good afternoon, I checked my report recently and I found accounts that I do not know, I do not recognize them and I am not connected to these items. Can you please review and validate the information? As I think I am identity theft victim because the information that is reported in my profile is absolutely wrong and I disagree with this situation. Please check and delete them from my credit report.
Consumer complaint received 2022-07-22
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. (MI)

Bankruptcy on credit report is pass the statue of limitation by law its been XXXX years in havent been removed from all my credit reports by law, This need to be removed immediately. I try to resolved this issue but this is clearly has being a strain financially and cost me several XXXX of dollars trying to resolve this and do to the inaccuracies on my report I have suffered not being able to obtain credit fairly. This is clearly a violation and also According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation
Consumer complaint received 2024-10-22
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. (IL)

I was absolutely stunned this morning to discover inaccurate accounts on my credit report, with no clue as to why they're there. I routinely check my credit report, and everything had been fine until now. I thought it might be a technical glitch and refreshed my browser, but the wrong accounts didnt disappear. Im asking for a thorough review of the documents Ive sent so I dont have to deal with this stress any longer.
Consumer complaint received 2021-08-31
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. (MD)

I submitted disputes and FTC reports for these fraudulent accounts. They have not been deleted. 

XXXX - XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$1400.00} Transunion - XXXX XXXX XXXX {$690.00} XXXX XXXX {$560.00}
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

We believe we are being discriminated against by Wells Fargo because we are a church. 
Wells Fargo ( WF ) has threatened to close our bank account suddenly after 30 years because we are a church and do not have a formal 501 ( c ) ( 3 ) approval from IRS. In all their paperwork we claim to be a non-profit ( we are a church ) and therefore exempt from naming benefitted individuals - because we are not a stock corporation and have no owners. WF says that in order to be exempt we must have 501 ( c ) ( 3 ) status. We told them on the phone once ( XX/XX/year>XXXX  ) and in person two different times ( XX/XX/year>XXXX  and XX/XX/year>XXXX  ) that we have 501 ( c ) ( 3 ) status just by virtue of being a church per IRS regulations : " Churches ( including integrated auxiliaries and conventions or associations of churches ) that meet the requirements of section 501 ( c ) ( 3 ) of the Internal Revenue Code are automatically considered tax exempt and are not required to apply for and obtain recognition of exempt status from the IRS. '' So we do not need formal approval from IRS. But they say unless we have formal approval they are closing our accounts within two weeks. We have payroll to meet, rent to pay etc. It takes months, fees and lawyer bills to obtain approval ; something that is beyond the means of our small Congregation.

We have sent them voluminous documentation proving we are a church and showing them the IRS regulations, to no avail. 

If we could only talk to someone sensible there instead of bureaucrats who don't understand the law, I'm sure we could resolve this. We filed a formal complaint with them but as yet have received no communication. Please help.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Back on XX/XX/year> I deposited a payroll check from my employer for XXXX $ on my BOA app. XXXX hours later my account was closed. They said it was closed for suspicious activity. They refused to give me any information or a timeline on when I would get the money sent back. I had my employer contact the issuing bank to request the funds from BOA. Everytime I call they tell me its under review and refuse to say anything other then that. It has been over a year they have had my money and they refuse to release it to me or the issuing bank. How is this even legal? How can a bank just close your account and take your money and not give any reasons or solutrions to get it back.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

They are reporting an updated balance on my report and the account has had no payments and no scheduled payments, they did this because I keep disputing it to keep it on my credit even longer. They also show a past due amount on a charge off account. And dates and other amounts are different between all bureaus!