davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

The company calling me keeps saying that I owe them money for a XXXX account. I called XXXX Bank and spoke with them and they said that my account was closed in 2009 in good standing and it was closed because I had not used it in multiple years. This company is calling me saying that I owe them {$1500.00}. The credit limit of the credit card was {$300.00} and it closed in good standing 15 years ago.
Consumer complaint received 2022-07-26
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$2500.00}
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Texas Guaranteed (FL)

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( TRELLIS COMPANY ***** Opened Date - Balance {$0.00} ) You are reporting inaccurate information on this account. The balance is zero and the account status was already closed. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (GA)

Prior to XX/XX/XXXX, I had requested a forbearance extension and was told by my former mortgage company - Dovenmuehle, to have granted the forbearance extension. However, they went and ended my forbearance during the midst of pandemic against my will and forced me to pay back without my acknowledgement and agreement. I had called them multiple times and asked them to correct it in their system which they told me at the time that everything was being taken care of- they never did. 

Eventually, they placed my mortgage account under delinquency and filed a credit report against me with the credit bureau for the two ( 2 ) missed payments of : XX/XX/XXXX and XX/XX/XXXX. They, then, transferred my mortgage to my current lender, XXXX XXXX  Company, early XX/XX/XXXX without correcting their mistake. 

XXXX helped me complete the loan modification and made my account current in XX/XX/XXXX. I have been making monthly mortgage payments to XXXX since XX/XX/XXXX up to the present without any missed or late payments. 

However, Dovenmuehle ( my former mortgage company and no longer with me ) continues to flag and report me with the credit bureau regarding those missing payments back in XXXX. They recently reported me in XX/XX/XXXX. As the direct result of their false credit report and unwillingness to fix their mistake, I am unable to refinance my property which is causing me thousands of dollars on mortgage reduction. 

I am not able to move forwards with refinancing because of Dovenmuehle. Please help me resolve this as I do not know where to turn to for help. 

Thank you very much for your help!
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CA)

Yesterday at approximately XXXX PM EST in XXXX MD, someone used a fake PayPal debit card ( mine was in my wallet ) along with my PIN and made XXXX unauthorized ATM withdrawals from my account for {$44.00} each. XXXXncluding ATM fees, each of the XXXX transactions came to {$46.00} for a total of XXXX. 

Upon the XXXX attempt, PayPal sent the following text : " PayPal : A {$44.00} USD purchase with card XXXX at XXXX was declined. To retry this purchase, reply YES. To lock this card, reply NO. Text STOP to turn off texts for this card. '' After receiving the text I replied " no '' which locked the card, but the money had already been taken. 

When I disputed the XXXX transactions with PayPal, they responded ( within XXXX hours ) with the follow message in email for all 3 transactions : " We received the case ( XXXX ) you filed on XX/XX/2022. We have reviewed this transaction ( s ) and are denying your case ( XXXX ). If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal Debit Card Department Attn : Dispute Resolution XXXX XXXX XXXX XXXX, NE XXXX United States XXXX XXXX I will formally request this " investigation '' information but it's obvious that PayPal has no intention of protecting me against fraud ( for {$130.00} ) and based on what I'm reading, anything over {$50.00} is illegal, so I would like someone to hold them accountable.
Consumer complaint received 2022-01-14
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: Experian Information Solutions Inc. (PA)

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. I sent them a certified letter XX/XX/2021 and got noticed that they received it. Pursuant to 15 USC 1681a ( XXXX ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under XXXX XXXX XXXX XXXXXXXX. Your office is on notice you have 30 days.
Consumer complaint received 2024-12-11
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Once again, TransUnion has me unable to access my credit report online through their service center. This continues to happen every few months and nobody at TransUnion seems to know how to fix the error, despite knowing what the error is. I am continually told that there is an error XXXX on my TransUnion file and that it has been escalated for resolution, and I would receive a call. After waiting several weeks, speaking and chatting to dozens of representatives the error still is not corrected ; I still can not access my report online.
Consumer complaint received 2022-01-14
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. (GA)

I have one late payment in 2020 during the COVID period, XXXX XXXX XXXXXXXX reported me late during a period where the cares act covers consumers during hard times. I have attached a letter please have this late payment deleted
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (SC)

I have told this company to not contact me. I dispute the alleged debt they are attempting to collect. The debt is not mine. 

Pursuant to 18 US Code 8, I owe no debt. This company is violating my my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Finally, as per 15 USC 1692c s 805, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (SC)

XX/XX/XXXX I received an alert from XXXX XXXX regarding an account open requesting me to validate. Clearly it was not mine so I filed a complain with XXXX XXXX who provided a loan of more than XXXX XXXX  to purchase a car, file 2 police reports one in XXXX and another one in XXXX were the crime took place and same day I freeze all my credit reports with the 3 companies, and place fraud alerts. On XX/XX/XXXX I receive an e mail alert at XXXX from my XXXX XXXX lettings me know that they have block an inquiry with XXXX XXXX. On XX/XX/XXXX I call XXXX credit department as recommended by XXXX to ensure they had not provided any credit. 
I provided the background but here is the reason of my complaint. On XX/XX/XXXX at XXXX I received an e mail from XXXX letting me know that my e mail account had been changed. I called them immediately, as I tried to access my web services with my previous credentials without success, the CSR on the phone help me correct the situation, I question them HOW can it be so easy for anyone to change this type of information, she even provided me the reference of the phone number that called XXXX XXXX XXXX to make the changes. When she reestablished my account I notice that my credit report was unfreeze, so clearly XXXX doesn't have controls to protect our information. They only offer to have better protection was to buy there security services for {$4.00} per month " Good way to force the consumer ". I called Monday XX/XX/XXXX to file a complain and I couldn't because they don't have any records of this situation in their system? really? does this means that XXXX employees and involved in Identify Theft?. It gets better, the fraudulent bank account is not in my report anymore with them, but the bank hasn't clear it yet, how is this possible? I have like 10 hard inquiries on this issue that I have dispute more then 3 times on line and over the phone that they reject regardless that I have police reports. The other 2 companies are no different. BTW once I paid for the services, when I call they did now authenticate me with Biometrics and ask for ID. I really need help, I know doing the right thing is never easy, but it shouldn't be this difficult. I have spent more than 40 hours on this issues with all the government agencies involved.
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC (CA)

To Whom It May Concern, I applied for forbearance in XX/XX/XXXX due to the Corona Virus shutdown. 
My lender, Citadel Servicing Corporation has been challenging to work with. 
Every month I have to beg to make my monthly payment, as my over {$50000.00} in past due payments have not been deferred due to a change in servicers within the Citadel Servicing Corporation in XXXX. 
I had been reported late to the credit agencies which I was able to get removed after months of negotiating with Citadel. However, the credit reporting suppression is on a month-to-month basis and every single month I worry that they will deny my request for the coming payment period. 
It is of immense importance that my outstanding credit stays intact as I am tirelessly trying to refinance my loan so I can move on from this horrible situation. 
Moreover, I applied for the California Mortgage Relief Program and have submitted all necessary documents. 
The California Mortgage Relief Program will cover past-due mortgage payments in full through a grant of up to {$80000.00} per household. The money will go directly to a homeowners ' mortgage servicer. It's free to enroll and funds do not need to be repaid. 
My case qualifies for this grant and I have been in constant contact with the California Mortgage Relief Program. 
My lender, Citadel Servicing Corporation has not signed up for the program and I have kindly asked their representative to forward a written message from the California Mortgage Relief Program to upper management in order to consider joining this amazing supportive initiative for struggling homeowners like me. 
Please help me reach Citadels higher management and ask them to join this program that was established to help mortgage holders, and lenders to take care of delinquent payments. 
Thank you very much. 
With best wishes, XXXX XXXX
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There were fraudulent charges on my Bank Of America credit card account. The card was closed, the fraudulent charges were disputed, new replacement card was sent to me and temporary credit was provided for the fraudulent charges pending investigation. After investigation, company is saying that some of these disputed charges are legitimate ( meaning I am responsible for these charges ) and re-imposed these charges in the new credit card bill. But clearly these charges were not done by me or any one of my family members and some of these charges were in places where we have never been. I have raised these issue with the bank but they said that they can not do anything about it since these charges look legitimate to them and it is based on their investigation and I have no option but to pay these charges. This is totally unacceptable to me since neither me nor any of my family members did these charges and the credit card in question was in possession of me during the time of these charges and we have never been to these places where these charges were made. 
The charges are : Posting Date Description Amount XX/XX/2021 : XXXX XXXX XXXX GA {$5.00} XX/XX/2021 : XXXX XXXX XXXX GA {$8.00} XX/XX/2021 : XXXX XXXX XXXX GA {$5.00} XX/XX/2021 : XXXX XXXX CA {$7.00} XX/XX/2021 : XXXX XXXX XXXX {$64.00} XX/XX/2021 : XXXX {$14.00} XX/XX/2021 : XXXX XXXX {$3.00} XX/XX/2021 : XXXX {$14.00} Total fraudulent disputed charge amount : {$120.00}
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2021, I found out about XXXX debit card transactions that were not authorized by me nor any of my family members or any other authorized person, and I immediately informed Bank of America about the transactions and opened a dispute claim since they were unauthorized transactions and I asked them to investigate it and refund my money However, on XX/XX/2021, Bank of America denied my request on XX/XX/2021 even though according to their {$0.00} liability policy, I wasnt responsible since I had no fault in this. I informed them about the robbery incident a week before that and that someone broke into my car and stole a few things and I sent them the report police department provided me with when I called them at the scene. I requested Bank of America to review it again, and they havent been responding to any of my attempts so I am requesting CFPB to pursue this matter on my behalf and reach out to Bank of America about my rights as a victim and that the charges be reversed, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. In addition, XXXX providing additional documentations and communications supporting my claim and confirming the dispute and that all the transactions associated with this claim were fraudulent and not authorized by me nor any other authorized person/family members associated with me.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I initiated a request for a HSA to HSA account transfer due to the creation of a new XXXX XXXX. I did not submit the request until all funds were liquidated from the investment vehicle and settled to cash. The aim of this transfer was to move all funds from my existing UMB Bank HSA account to XXXX 's new HSA portal. I submitted the request to XXXX and followed up around 6 weeks as the transfer has not occurred. I again followed up on XX/XX/XXXX to identify why the funds transfer has not occurred. I was instructed by XXXX representative XXXX XXXX that XXXX and UMB had acknowledged the transfer, and that my confirmation was needed that the funds were liquidated. I completed the transfer request according to the Health Savings Account Transfer Request Form. UMB has access to my account and can see that funds were liquidated to cash. 

I have experienced consumer harm by having to keep my funds in cash for three months. The anticipated transfer window disclosed on the Health Savings Account Transfer Request is 3-6 weeks.
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On multiple occasions I tried to dispute with all three major credit bureaus several items on my credit report. These items were as a result of identity theft and fraud. I informed all three credit bureaus over the phone and in writing of this identity theft and fraud. They investigated using the dispute item within their website yet they refuse to remove the unauthorized inquiries on my credit report which is causing my credit report score to plummet and multiple declinations for credit. These hard inquiries were unauthorized, of which I informed all three credit bureaus of that. They still refuse to remove the unauthorized hard inquiries. I then put a fraud alert and credit freeze on my report with all three major credit reporting bureaus and in response and retaliation they lowered my credit score by almost XXXX points.
Consumer complaint received 2023-02-26
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. (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 formerly XXXX, Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We are an attorney 's office that requested a discharge for a paid in full HELOC loan. The Mortgagee was Bank of America. The mortgagor was an Estate and there was a zero balance. We have a payoff letter from Bank of America showing the zero balance. We have been tracking and requesting the discharge continuously since XX/XX/XXXX, to no avail. This is beyond the statutory 45 days to record a proper discharge of mortgage. I have attached proof of my attempts to obtain the proper discharge. I have also made many telephone calls which resulted in no satisfaction, literally and figuratively. Our office represented the bank and buyers. The attorney 's office that represented the seller has also made the attempts, including the Personal Representative of the Estate forwarding any documents BOA requested and verbally informing them to close the account and issue a discharge. A phone call.place on XX/XX/XXXX resulted in them informing me the placed an insurance policy on the property in XXXX!! All the while knowing the property had been sold in XXXX and the account was to be closed and discharged. We need assistance getting BOA to record the necessary Discharge of Mortgage.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I HAVE DISPUTED WITH XXXX and TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XXXX.I DO NOT RECOGNIZE THESE INQUIRES AND XXXX CREDIT BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.