davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
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. (WI)

Transunion is reporting a two open fraudulent accounts XXXX XXXX XXXX, XXXX as past due and XXXX XXXX XXXX collection account on my credit report. I disputed this fraudulent account XXXX, 2019 and XX/XX/2019. At this time it was with a different collector called XXXX XXXX XXXX. After disputing this fraudulent account with the XXXX XXXX XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX a new collection agency. Even with a different account number it seems Transunion and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XXXX credit card that is also reporting on my credit report. I disputed these fraudulent accounts and the XXXX XXXX XXXX and XXXX credit card remained on my report however the XXXX inquiries disputed as fraud were removed. How can Transunion agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of Transunion being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

and i faced a unusual situation with a merchant but the bank didt bother to have a look at the receipts they simply went in favor with the merchant ( XXXX XXXX ). 

I have deposit 2 disputes because i was overcharged none one, but twice. 

1 ) first complaint the hotel charged me {$2600.00} where i was supposed to get charged {$1000.00}. 
2 ) second complaint the hotel charged me {$780.00}. 

Both disputes were made on XX/XX/2020, Bank of America went in favor to XXXX XXXX, despite the receipts that proves that they charged more that they were supposed to. They gave me back my money and they havent even bothered to read the receipts. 

Please, now i need your support on this as soon as possible, it has been weeks and they are always fining excuses. 

Thanks in XXXX XXXX
Consumer complaint received 2020-04-09
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. (TX)

After reviewing my credit I found these fraudulent accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-08-26
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-09
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. (TX)

I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a credit alert that a new hard inquiry was placed on my Transunion credit report on XX/XX/2020. I called Transunion the next morning and spoke to two different reps to try to get the inquiry removed. I already had a fraud alert in place on my report prior to this, so I thought removing the inquiry should be no problem. Neither one of the reps would remove the inquiry and stated that I needed to contact whoever placed the inquiry on my report. The inquiry was from XXXX, so I contacted them and they state that I have to do a list of steps just to get the inquiry removed, one of which is filing a police report. I believe this is very excessive and not fair to me as the consumer. Why must I have to go through all of this for them to remove an unauthorized inquiry?
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

Servicer and investor of mortgage loan # XXXX being serviced presently by Mr. Cooper has added fees beyond which borrower has any ability to pay or recollection of any reason meriting such fees. Total fees to date dating back to XX/XX/XXXX rise up to about {$3500.00} when borrower. According to Mr. Cooper default date goes to XX/XX/XXXX which means these charges were paid but are still being utilized as the total still owed under their reinstatment quote. To prevent foreclosure and attempt to remedy the issues, borrower did made a formal written request for information on XX/XX/XXXX, another on XX/XX/XXXX and a more recent one again on XX/XX/XXXX by phone requesting a complete payment history, amortization, and history of any additional fees and charges.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This account was paid in full on XX/XX/19 in the amount of XXXX. I advised Equifax of the payment and requested that the account be updated. Equifax is still reporting this account as unpaid for the amount that has been satisfied. XXXX XXXX has been paid and is refusing to update the information with Equifax. It was paid to them directly and not to any third party.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I don't remember the dates, but I do remember the overdraft and the save as you go feature that transfers money from my checking account into my savings account was not accurate. However I did not call Wells Fargo to complain, NOR did I complain about an overdraft charge I paid, I just let it slide because I like Wells Fargo. I figured they would correct it on their own, but I came across this article today and decided to address my issues this way to correct the problem.
Consumer complaint received 2020-02-14
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)

I have advised Equifax of the erroneous reporting of these accounts multiple times and they keep reporting this incorrect information. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have all refused to update the information even after I have provided verification of payments to satisfy these accounts. The problem clearly lies with Equifax because I don't believe they are contacting any of the agencies and verifying any of the information.I want these accounts removed from my credit report.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (VA)

I use the Suntrust Bill Payer service for my bills each month. In the spring of 2019 we had fraudulent activity on our check account. I reported this to Suntrust, and they followed normal procedure by closing the account, opening a new one, and promising that all outstanding checks would be automatically rerouted to the new account. I would be free of this responsibility. Since then, every check I paid was rerouted just as Suntrust promised except for two checks that went to XXXX XXXX in XXXX, Va. which is the business office for XXXX XXXX XXXX. The first one bounced, for which I was assessed {$30.00} returned check fee, and a {$10.00} late check fee. I have a photo copy of the check that shows that the check was sent on time. What makes all this more confusing is that I was not made aware of this until XX/XX/2019 ( 6 months ). These payments are made quarterly, so it appears that the check that I sent in XXXX seems to have been cashed normally. But then the check sent in XXXX of that year was returned designated as " not authorized ''. During this time all other bills were paid on time including electric, gas, and credit cards. I spoke with XXXX  employees a few times and also with the treasurer of the HOA, and nobody knows why this happened. Total cost to me is {$80.00}, but it has more to do with me being taken for granted. XXXX and the HOA decided that it was OK to penalize me even though I had no control over what happened after I turned the computer off.
Consumer complaint received 2020-04-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OR)

XXXX reported 30days late XXXX because their representative told me the wrong payment amount, short XXXX. XXXX won't budge even though it was a bank error. I also had late payments in early XX/XX/XXXXon 3 accounts due to terminally ill father 's medical bills. Accounts have been paid in full.
Consumer complaint received 2020-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lending Club Corp (PA)

I am writing to file a grievance against Lending Club. Over the past three years I have take out three loans with LendingClub, of which two are satisfied and one is current with 23 payment remaining. I applied for a smaller loan several months ago. After sending Lending Club copies of my social security card, drivers license and passport, LendingClub found out that the wrong social security number was being pulled up in their system for my application after applying multiple times, Lending Club indicated that there is a a person who shares the last 4 of my social Security Number, first and last name. ( Lending Club divulged this person 's SSN to me seemingly without a care in the world. ) When I put in an application to consolidate my current loan, I asked Lending Club to notate everywhere possible that my social security number could be mistaken for the other person and they assured me it would not happen again. On their recorded line I have stated my full social security number and when they ran the last 4 digits, the wrong person kept being attached to my applications and was never fixed on the old or current loan. 

SERIES OF EVENTS -XX/XX/2020 - I was informed by Lending Club that the wrong social security number was applied to not only my current loan but past loans as well, under the other person 's Social Security Number. I was promised I would have updates via call backs and emails which never transpired. Since that promise I have had to reach out and explain my situation to get a supervisor or manager on the phone which they would admit to having no resolutions or plan of action to fix the social security problem on my current and past loans.

-Shortly after, I contacted XX/XX/XXXXwho verified that Lending Club had not done any soft or hard inquiries on my credit report for past or present loans.

-XX/XX/2020 - I was connected with the Fraud Department of Lending Club who advised me that there was nothing they could do on their power to solve this issue.

-XX/XX/2020 - I was connected with XX/XX/XXXX( Supervisor ) who escalated to Manager, XXXX XXXX Last conversation with XXXX was where I made it clear if there was no plan of action soon that I would be filing a complaint with CFPB. 

-I have called LendingClub seven times since XX/XX/2020 to no avail.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

American Express are discrimination against me due to my XXXX under the American with disabilities act title III regarding my request under the Fair Credit Billing Act and the Federal Arbitration Act regarding the terms and conditions of the Credit Card agreement.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (HI)

Final payoff check for auto loan was XXXX to Chase Banks physical overnight address on XX/XX/2020 to XXXX XXXX XXXX XXXX XXXX TX XXXX. Packaged was signed and delivered by XXXX XXXX at XXXX on XX/XX/2020. XXXX   envelope contained check # XXXX dated XX/XX/2020 for {$15000.00} for final payoff. As of XX/XX/2020 check still has not been cashed and now I am showing 30 days delinquent on my credit report. Ive provided all necessary proof to Chase bank and they still have not rectified this situation.
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2019, i was scammed into buying gift cards. I spent {$500.00} at XXXX XXXX, and {$100.00} at XXXX. I almost spend additonal {$800.00} but my coworkers knew something was wrong, so they prevented me from spending more money. I called XXXX XXXX  immediately and found out only one of the gift cards was redeemed. I told them to stop the rest of the gift cards, they said they could not for some reason. I called FTC to report what happened. Then I called Bank of America to report as well. I received my money back temporarily during the investigation, but they recently denied my claim and withdrew the money from account again.
Consumer complaint received 2020-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (CA)

This company has thousands of complaints on the XXXX XXXX XXXX website from others stating that they receive harassing and endless phone calls from this company. Most reports say this company is a SCAM. They continue to call my phone every day, multiple times a day. They never leave a message.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  is inaccurately reporting that I was 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX for XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 

Transunion is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (WI)

I have sent in 3 requests to freeze my Sagestream and they have all been ignored. I requested a security freeze online and twice by mail. I have called and left over 10 messages and still have not received a response. I sent out my most recent letter on XX/XX/XXXX. On XX/XX/XXXX I requested a security freeze on the Sagestream website. My initial request was sent XX/XX/XXXX.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (MA)

Citi double credited my account on XX/XX/XXXX and I didnt pay the {$7900.00} additional charge as it was their mistake. I stopped using the Citi card immediately because of this and because of how horrific their Customer Service is. Citi refused to fix their mistake until XX/XX/XXXX and in turn, my credit score went from XXXX to XXXX because I did not pay my credit card bill for 2 cycles ( the only charge on my card was Citi 's double credit of {$7900.00} as I stopped using the card after this happened ). After they resolved this and removed the charge 2 months later, they said I must contact XXXX  to bring my credit score back to what it was. I contacted XXXX  but they would not change my credit score as they said they contacted Citi and all of the information is accurate. I will include the dispute letter from Citi explaining that this was their error, and a photo of my Fico score dropping due to their mistake. Please fix this ASAP and bring my credit score back to XXXX. Thank you.
Consumer complaint received 2020-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (UT)

In a previous complaint : XXXX XXXX XXXX XXXX   XXXX, On XX/XX/XXXX, XXXX filed an erroneous " Company 's Response '' to the CFPB. 
Containing a misleading statement and supported that criminal act of perjury with a fraudulently altered document. 

1 - Statement : Verse 7 : Reads " The complainant is encouraged to send the executed stipulation and the first monthly payment of XXXX to the firm on or before Friday, XX/XX/2020 ''. ( See attached file : Response ) 2 - The Falsified Stipulation that was uploaded to support this claim States : Verse 4A : " Monthly payments of {$310.00} beginning on or before XX/XX/2020 " ( See attached files CFPB pg 1 and 2 ) 3 - Two days later. On XX/XX/2020. XXXX XXXX XXXX  submitted to the Utah Court, a different version from that which it provided to the CFPB. Which states : Verse 4A : " Monthly payments of {$410.00} beginning on or before XX/XX/2020 " ( See attached files : Utah Court pg 1 and pg 2 ) 4 - XX/XX/XXXX vs XX/XX/XXXX 5 -  These criminal acts were committed with the intent to hide the truthful Amended Stipulation, submitted to the Utah Court. Which is " Incapable of Performance ''. Intentionally created with an expired " Beginning Payment Due Date in  an attempt to Defraud the Defendant of {$4100.00}. 

6 - The intended Scam is to prevent the Defendant from being in compliance with the stipulation. Then force the Utah State Court to change the amount from {$7500.00} to {$11000.00} due to noncompliance. The difference being {$4100.00} 7 - {$11000.00} is the payment amount listed in the original stipulation that the complaint was about. XXXX XXXX excused it as a company error. Evidence of yet. Another lie. 

8 - In a statement from XXXX XXXX XXXX. Lawyer XXXX XXXX XXXX, Utah State Bar ( XXXX ). Too ridiculous to explain. Please read his statement and argument to the court as an excuse for the fraudulent statement and altered document. 
( Court Doc pg 1, 2, 3 ) 9 - In this statement. He lists XXXX 's Compliance Attorney as the person who committed the actual crimes of perjury and falsifying the document. Her, ( no name given ) superior officer, The Compliance Officer,  is XXXX XXXX. The CEO of XXXX XXXX XXXX. 

10 - Then in closing arguments. The Plaintiff, Barclays Bank Delaware is implicated as being a co-conspirator in this Scam. 

11 - After the first complaint. I received a call on XX/XX/2020 from XXXX XXXX. A representative of Barclays Bank Delaware The phone number on my caller ID is : # XXXX. She may be the co-conspirator link for Barclays Bank Delaware. As referenced by Mr. XXXX XXXX XXXX. Attorney for the XXXX XXXX XXXX XXXX 

Please Investigate the criminal acts. Committed towards your own Agency. 

Thank You XXXX XXXX
Consumer complaint received 2020-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MI)

I applied for and opened a mortgage with a mortgage company. Fay Servicing was hired to service the payments. I tried on two occasions to pay my payment, weeks in advance of the payment due date. I learned 2 weeks into the first payment period with Fay, that my payment was not received and that I was charged a late fee. Fay Servicing informed me that they could not take electronic payments. Every other credit card and mortgage company that I currently pay, more than 10 mortgages and 5 credit cards, takes electronic payment from my bank. I explained and offered to show that payments were made through my bank bill payer system, and were later rejected ( after I learned that they payments had not been processed ). I asked for a refund of the late fees, since I had no way of knowing that Fay would not take payments from a national bank, like every other mortgage and credit card company. How would anyone know that Fay, or any company, will only accept paper checks, without prior instructions? This is a predatory practice of forcing unfair late payments. A new mortgage takes a great deal of work and costs thousands of dollars. I can not simply find another mortgage company or processing company and I am forced to pay late fees, which are also higher than any other mortgage company that I have worked with.
Consumer complaint received 2020-02-13
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$140.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I was wrongfully evicted from my apartment. I was continually being harassed by the on-property maintenance worker and had no choice but to report his behavior to the office manager of the complex. The harassment escalated and one day I came home to find this person in my apartment going through my drawers and personal belongings. I filed a police report. In retaliation the apartment complex evicted me without notice. This false reporting of a collection that I do not owe is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.