davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
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 was a victim of identity theft and these are the accounts that I am requesting to be removed from my credit report : XXXX XXXX : {$51.00} XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX - my mortgage with XXXXXXXX XXXX was put in covid forebearance, under the Federal Cares Act, due to my husband losing his job due to covid impacts. 

XX/XX/XXXX, XXXX I contacted XXXX that we were able to resume mortgage payments and began a loan modification process. 

XX/XX/XXXX - agreed to modification terms. The terms included a 3-month payment trial plan required before the modification can be finalized and also required to refinance with XXXX or any other bank. 

XXXX XXXX XXXX XXXX Successfully made 2 of 3 new modified mortgage payments per the terms. Last payment is scheduled for XX/XX/XXXX. 

XX/XX/XXXX, XXXX received an Experian alert of a major derogatory account comment reported by XXXX on my credit file that negatively impacted my credit score by XXXX points, changing my rating from exceptional XXXX to good XXXX. This change will impact my ability to get best refinance rate once the modification terms are fulfilled after payment # 3 on XX/XX/XXXX, among other credit and future loan impacts, etc. 

I confirmed with XXXX during multiple phone calls regarding terms of the modification in XXXX, XXXX and XX/XX/XXXX that my credit would not be affected if I accepted the modification terms to ensure my excellent credit score would remain intact. They NEVER told me a comment would be reported to credit agencies that could potentially impact my credit score. 

XX/XX/XXXX XXXX I called XXXX and they have refused to remove the comment from my credit reports. 

My understanding is actions by Mortgage companies that could negatively impact consumer credit scores are protected for covid related forebearance ( including when resolving and exiting forebearance ) under the Federal Cares Act, providing all rules and terms were followed.
Consumer complaint received 2022-08-21
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}
Consumer complaint received 2021-08-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My husband passed away on XX/XX/XXXX. For the next 11 years I paid my mortgage to Bank of America. Prior to his passing my husband filed a quit claim deed and a will so that there would be no problem with the mortgage. In XX/XX/XXXX I fell behind due to XXXX related hardships. Since XXXX, XXXX I have been attempting to get Bank of America to add me to the loan. I was told to send in a letter explaining I would like to be added to the loan, the deed, the will and a death certificate. Since XXXX I have sent these documents XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time a call was made to confirm receipt - we were told the documents were received and the loan was updated to show me as a borrower XX/XX/XXXX by XXXX ID XXXX, XX/XX/XXXX, XX/XX/XXXX by XXXX XXXX, XX/XX/XXXX. Each time the documents are sent I will be told they are there then the next time I call I'm told it is a different department and I need to send there. Today, XX/XX/XXXX I spoke to XXXX XXXX who told me that no documents were received and I had to start over and the documents can only be mailed to XXXX XXXX. When I asked why the departments do not share information or documents I was told they don't. When I asked to be transferred to the correct department she said she does not have the number. Also, I was told I had to " register '' the will. I went to my county 's website and tried to register it in Official Records and BOA called and told me I need to go through probate and hire a lawyer. I can not get a straight answer of what I need and everything I send in gets lost for over 10 months now.
Consumer complaint received 2021-08-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

My husband and I thought the FHA forbearance program had ended. Being behind on our mortgage due to job losses starting in XX/XX/XXXX, we thought we were just going to have to lose the house. However we learned last month that we could still request forbearance and also get a loan modification. 

On XX/XX/XXXX, I contacted our servicer, PHFA, to ask for forbearance and begin the loan modification program. I was assured by a local housing counseling agency that due to the CARES act, my request would be granted and we could avoid the foreclosure as our request occurred before the moratorium expired. 
I contacted PHFA via email as the phone lines we busy, and I received a response from someone on their home retention department that day. The response said that she had forwarded my request to her supervisor. 

I did not hear anything back from that supervisor until XX/XX/XXXX. 
On XX/XX/XXXX, that employee said that we were not getting the COVID forbearance. She also claimed that our issues started prior to Covid and. Therefore we are ineligible. Admittedly, we experienced a setback in XX/XX/XXXX, but it was recoverable until the job losses in XXXX. She did include a form requesting income information for other foreclosure programs. 
I have been attempting to get that form back to her, but I am struggling to get through to my state unemployment office. Without their help, I am locked out of their online system ( due to an attempted fraudulent claim in my name ) and can not get income verification. I have a ticket number of XXXX and they are currently on ticket XXXX as of this morning. I emailed the supervisor at XXXX to inform her of this on XX/XX/XXXX, but I have not heard back. We also received letters informing us that they have begun foreclosure today. 

We feel that had the supervisor not delayed in responding to us, and not denied our forbearance request ( this occurred prior to the dates on the foreclosure letters ) we could have a chance to save our home. It was also our understanding that if you had income losses due to COVID, you couldnt be denied the forbearance regardless of whether or not you were behind on payments prior to XX/XX/XXXX. I would think that initial unemployment claims in XXXX and XX/XX/XXXX would be obvious proof of that. 
The supervisor also claims we havent responded in 2 years. However we initially reached out in XX/XX/XXXX and also contacted XXXX to apply for a state XXXX in XXXX XXXX. 
All we want is what was supposed to be afforded to us via the CARES Act. Six month forbearance starting from our request date of XX/XX/XXXX and the Covid loan modification. The past 18 months have been extremely difficult for my family. Multiple hospitalizations and other health issues have compounded this. Being able to keep our home would ensure that we can actually recover rather than continue to fall backwards. Any help you can offer would be greatly appreciated.
Consumer complaint received 2024-08-25
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. (MO)

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Credit Card account and XXXX Personal Loan accounts opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX ( XXXX ), XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXXXXXX XXXX XXXX  on XXXX XXXX under the account number ( XXXX ), and XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (CO)

This complaint is in regards to my previous complaint # XXXX. Not only do I NOT agree with the response from Target, I have since been advised by Target directly that their company was in error. On XX/XX/2021, I spoke to a representative, who I believe the name was Ukarie ( hard to understand ) and Supervisor named XXXX for 45 mins reviewing the account. It was at that time, that XXXX advised me that the representative I previously spoke in regards to waiving my payment was in the wrong and told me the incorrect information. They were not offering any COVID assitance at that time, but the representative advised that my payment would be waived, and I would not have a payment due until XXXX. Again, Target has openly admitted to the error, and still refuses to correct it. If I had not been mislead to believing that the payment would be waived, the payment would of been made. I never recvied a statement via mail or email as Target has claimed, nor did I receive a courtsey call, or message stating that I had an overdue payment. Again, I paid the account as i had agreed to when I requested the assistance. As this error has been admitted by Target itself, it needs to be corrected as they are misleading their consumers.
Consumer complaint received 2021-08-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Santander Consumer USA Holdings Inc. (FL)

Lawyer from XXXX XXXX XXXX called and threatened me saying that if I did not pay he would suspend my license and car registration. 
Called me a imbecile and a deadbeat for not paying. This is from a repossession from 2007. Florida law clearly says that they have 5 years. 
They continued to mock me while I asked for their business name and information to list on my bankruptcy forms as required by law. 
I tried multiple times to provide them a current address to be served and they refused to accept it and filed and tried to serve me at a known invalid address. 
They are abusive and bottom feeders who solely pry on people in economic hardships.
Consumer complaint received 2021-08-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I have been trying since XXXX to get this company to verify the debit that is owed, instead i have been given a phone number every time i call the phone number there is no answer. there fore they have no proof the debt is mine it is impacting my credit score on Experian XXXX XXXX and XXXX i have communicated with letters and even answered their phone calls and they have yet to supply or verify that this debt is valid and i don't believe Experian did their due diligence either sent letters to Experian the other 2 credit bureaus have been no problem but Experian is horrible won't do their due diligence
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (WV)

I purchased merchandise from a seller on XXXX XXXX. This was for a new, unopened XXXX  XXXX XXXX XXXX XXXX in the amount of {$500.00}. I was directed to the XXXX site to submit payment which I did using my PayPal Prepaid-Mastercard. As soon as the payment sent, the seller deleted all accounts from XXXX, XXXX, and I am unable to contact him in any way. I have open disputes with all companies but no-one is able to do anything and keep telling me to contact my local law enforcement. They also can not seem to tell me directly why my purchase is not falling under the purchase protection plan. I am needing to get my money back asap and they all are unable to do or provide anything. All three of these are departments of the same company, PayPal, but yet they can not communicate with each other and have failed to provide me with requested information, phone call recordings with representatives, escalation to the head of the company or even provide me with their contact information. I want to find this person and have fraudulent online scamming charges pressed against him. I will attach all current documentation I have regarding this issue and would appreciate a very prompt and timely resolution for this matter. I have spent precious hours dealing with this and do not have the time to spare to continue getting pushed around with no resolution as I am a XXXXXXXX XXXX  XXXX and mother with responsibilities that are needing to be handled at a higher priority than being on the phone arguing with a representative who does not even speak clear XXXX. Please contact me as soon as possible. Thank you.
Consumer complaint received 2021-08-20
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: SYNCHRONY FINANCIAL (NC)

In XX/XX/XXXX I noticed a fraudulent charge of {$2.00} from XXXX on my Synchrony SamsClub credit card. I immediately called Synchrony to report the fraudulent charge. They recommended I talk with XXXX  for resolution. I called and emailed XXXX over the next couple of months. Ultimately, they said they could not find where the charge was coming from, what it was for and did not see it on my account. But they said they could not stop the charges because they couldnt find it. They recommended that I have my credit card number changed. I called Synchrony and had my credit card number changed TWICE in the past 3 months to resolve this issue. I have been reassured by multiple managers/supervisors that the issue was resolved, and then on the next statement, the charge continues to happen. My new statement ( XX/XX/2021 ) shows a charge of {$2.00} from XXXX ( XXXX of the month, mostly ) and I fully expect another in XXXX. I have now been told by Synchrony that I need to dispute these charges again and that new cards automatically renew recurring charges ( even though the last supervisor assured me this wouldn't happen ). I am at a loss of how to resolve this issue besides cancelling my credit card.
Consumer complaint received 2021-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Luckmore Finance (MS)

On XX/XX/2021, Luckmore Finance authorize and UNAUTHORIZE payment to my debit card without my permission. Ive expressed my concerns with a representative of Luckmore Finance ( XXXX ) regarding this matter numerous of times and explained to them that they do not have a right to authorize my debit card whenever they want. I was told several times by more than one employee that Luckmore has the right to authorize your card if the account is delinquent and processed to email me documents ( XXXX ) which clearly does not state their claim. 

On XX/XX/2021, I spoke to the CEO/Owner of Luckmore Finance, XXXX XXXX and expressed these same concerns to him regarding his employees informing clients that they have the right to authorize payment without the permission of the client. He stated he will investigate this matter, but I fully aware that he knows about this because his employee XXXX stated, this is what they tell us to tell clients if were questioned. Luckmore Finance is practicing unethical and illegal acts to clients who are delinquent on their account. Since my account has been delinquent, Ive noticed several illegal acts towards my credit report/credit file. To further know that Mr. XXXX is FULLY AWARE of these illegal acts, when I got off the phone with him on XX/XX/2021 @ XXXX, I received a notification from XXXX XXXX @ XXXX stating I had a new injury on my account and low and behold it was from LUCKMORE FINANCE! 
I have not lived and the state of Louisiana for 2 years and have not applied for any new accounts with Luckmore Finance. 

Luckmore Finance has intentionally reported false and inaccurate information to the credit bureaus, I have noticed several hard inquires on my credit report and inaccurate late payments. Due to these inaccurate and illegal intentions, this has caused me major stress as I am trying my hardest to purchase a home before the new year. Luckmore has ruined my credit worthy to other potential lender due to the inaccurate and false information that being reported to the credit bureaus. 






Pursuant to 15 USC 1602 ( p ) unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 




Luckmore Finance committed several FDCPA Violations Illegal or unethical communication tactics Taking or threatening illegal action False statements or false representation. ... 

Improper contact or sharing of info. ... 

Excessive phone calls
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

On XX/XX/2021 I received a check from Citibank via XXXX express shipping for the amount of {$11.00}, XXXX the check is missing {$1000.00} on top of the {$2000.00} missing from the account. 

I called Citibank customer service 6 times over a few hours to get answers for why so much money is missing. I spoke to several reps who confirmed that {$1000.00} is missing from the check. They couldn't access transaction history or account statements for XX/XX/XXXX going forward to XX/XX/XXXX. The agents then transferred me to the fraud department who then informed me that the government took money from the check they sent me. But that is dishonesty on the behalf of citibank because I do not owe any debts to the irs or anyone. So what really happened to the rest of the money? 

On XX/XX/2021 I deposited that same citibank check into my new account at XXXX XXXX. XXXX XXXX said that SOME funds would be available today XX/XX/2021 but when I went to the bank, XXXX XXXX informed me that when they went to collect the funds CITIBANK stopped them and told them that funds wouldn't be available until XX/XX/2021 ... as you can already assume, this another inconvenience and a show of incompetence on the part of citibank and it's offshore customer service department. 

Since XX/XX/2021, I have been unfairly scrutinized and what seems like punished for spending money the way I see fit. Since XX/XX/XXXX, I have been humiliated and my life flipped upside down due to the extremely petty way that citibank has decided to scrutinize me. 

I still have NOT been informed of what I did wrong OR how my account ended up under a fraud investigation. It's now XX/XX/XXXX and citibank is still being dishonest in how it's handled my account. I have been waiting for WEEKS to see account statements and such. There is ALSO a LARGE sum of money missing. 

My mother died and her insurance left me that {$15000.00} check that I deposited into CITIBANK. It's been XXXX trying to do the things I need and it's also been hard to mourn my mother with having to constantly worry why citibank has decided to steal money and withhold answers when I've proven countless times that I am the account owner. 

You can see from the attachment below that XXXX was my balance before citibank closed my account. This was my balance on XX/XX/2021. What happened to the rest of the money???? Why is citibank being so shady???? And dishonest. 

Every time I speak to a customer service representative they act as if they don't know anything and can't help with anything and I honestly think it's the employees that stole from my account or did something funny to the account.