davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-01-13
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. (FL)

XXXX XXXX XXXX reported me 30 days late to Experian for XX/XX/XXXX and XX/XX/XXXX. I was not and they were paid of in XXXX. They show me 30 days late each month for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX to XXXX and I was not and this was corrected and removed and now put back. This account is over 15 years old and is closed and should be removed from my Experian and XXXX report. All that XXXX XXXX XXXX has done is stop my refinance again.
Consumer complaint received 2022-07-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

I started a lease with Hyundai on XX/XX/XXXX, with the lease end date being XXXX XXXX. In XXXX of XXXX I moved from XXXX XXXX ( the state I was leasing in ) to XXXX XXXX I had changed my license to XXXX XXXX, so I needed a state to state transfer of the registration. I called Hyundai finance and they told me they would send the title to DMV for me. I made the appointment, and was told by DMV they had no received anything. I waited until XXXX when I decided to buy out the car after my lease. On XX/XX/XXXX I send a cashiers check of almost XXXX to Hyundai and they cashed it 2 days later. Today is XX/XX/XXXX, and I have no idea when I will receive the title to the car I paid in full for. The car can not leave the driveway at this point. I call at least every 2 days for an update because I am constantly getting the runaround of when I will receive it. For the first two weeks I was told to wait 3 business days for processing. Which processing? I was never explained what was even processing. Then miraculously on XX/XX/XXXX I was told the DMV does have the title, the entire time apparently. So a title they were processing, was at the DMV. I was then told DMV was going to destroy the title ( because it had a lein on it ). A week later I was informed that they was unable to happen and Hyundai requested the title back from DMV. Maybe a few days later I called back, Hyundai still said DMV had the title. I called a lot of times and they claim they keep notes on each call, but it seems like no one knows what is even going on with the title. I am now told they have the title, Hyundai in Texas does. They are now processing it. Again. I need the title, bill of sale, and release of lien. All of which I am constantly told will happen in 3 days. It has now been over 8 weeks. Me and my daughter ( an insured driver and co-leased the car with me ) rely on the call to get to work and school. I need to the title to register it, but am receiving no help doing so.
Consumer complaint received 2022-07-15
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. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, TransUnion, and XXXX have 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 an account without written instructions. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX. 
XXXX XXXX account number : XXXX. This is not my account. 

The following information is incorrectly reported by TransUnion. 
XXXX XXXX account number : XXXX. This is not my account. 

***PLEASE NOTE*** XXXX XXXX XXXX XXXX HAS ALREADY REMOVED THIS ACCOUNT DUE TO IDENTITY THEFT.
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

A fraudster obtained my personal information and opened a new account under my name at Capital One Bank ( and many others ). Then the person transferred {$28000.00} from my XXXX account balance into the new Capital One Bank account. 
On XX/XX/XXXX, I contacted the Capital One Bank, and informed them of the fraud, and they did flag the account as an identity theft account, locked up the funds, and began an investigation. They informed me that they would be returning the funds to the XXXX account, but that has not happened yet. 
During multiple subsequent phone conversations, they still claim they are investigating, and provide no further information, or timeframe to return the funds. 
This is not a complex investigation. The funds should be immediately returned to where they came from, so that I have access to my money.
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (CA)

# XXXX XXXX XXXX XXXX XXXX - Alleged Closed Account # XXXX XXXX XXXX XXXX XXXX - Alleged Closed Account # XXXX XXXX XXXX XXXX - Alleged Closed Account The above items are not recognized as not belonging to me.
Consumer complaint received 2022-01-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (IN)

I was recently turned down for credit for a personal loan by several companies and then for an apartment I applied to rent. I checked my credit report to see why and Shellpoint has been reporting my two mortgages as more than 120 days late, with the current balance, and on one has reported the foreclosure proceedings. 
The company has also made credit inquiries on three occasions while foreclosure proceedings were ongoing and they had no reason to and no permission form me.

Shellpoint pretended to entertain a modification based on divorce and then another time loss of employment. It then asked for the same documents and information it already received over and over, sent new modification packets every so often, kept telling me it was under review, and filed to foreclose after months of me sending 100 's of documents and spending hours filling in information on forms they already had. 

It has stressed me out so much that I was on unpaid XXXX for 3 months, and incurred {$1000.00} 's of medical expenses. I gave up and sold my house to a cash buyer. They are now refusing to get my title company a payoff balance, probably because they get interest every day I don't pay if off.
Consumer complaint received 2022-07-15
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. (NJ)

I sent letters off on XXXX XXXX, certified. 
here are my certified letter numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove personal information that I do not want on my credit report. According to the Fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with third party people. 

This is a clear violation of my federally protected consumer rights.
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY (CA)

Mobile deposit from XXXX XXXX on XXXX2022 of XXXX held 10 days without notice. Unable to access my money for 10 days. There is a hold notice of 3 days given AT THE TIME OF DEPOSIT. Then a day later a notice of 7 business days -- XXXX2022 which is actually 10 DAYS without money because I am now in overdraft from auto-payments going through AFTER THE DEPOSIT was made. They will not cancel the mobile deposit to allow me to go into the bank to cash it. It only takes one day to make a phone call to XXXX XXXX.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I received a letter that stated : You can request to have the PMI cancelled on or after these dates : The date the principal balance of your mortgage principal is first scheduled to reach 80 % of the original loan value. 

There were some things about additional qualifications in there, but when I called to ask about it, I was told it had to be on that day not when it was scheduled. Either the letter or the person who argued semantics with me on the phone is wrong. 

I called the number on the front of the letter and spoke to a gentleman around XXXX XXXX on XX/XX/XXXX from XXXX
Consumer complaint received 2022-06-24
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. (FL)

Transunion has been neglecting my requests for the removal of the fraudulent information on my file despite the multiple written appeals that I have been sending to them. The last letter I sent to Transunion was XX/XX/2022, with complete attachments of my personal information to remove the account and information reporting on my file that is completely UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this account in my previous Complaints & I am including them again : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-03-03
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. (TX)

In accordance with the fair credit reporting act XXXX  Account XXXX XXXX ACCOUNT NUMBER # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I have been banking with SunTrust for over 25 years and always have been satisfied with their product and customer service. Now that they are Truist, the online banking app has changed to a much more vague depiction of real time activity. Regardless, on XX/XX/22, I had a balance of XXXX. On XX/XX/22, I made 3 transactions debiting a total of XXXX and then also transferred XXXX from my savings to my checking. That would have put my balance at XXXX. However, at some point on the night of XX/XX/22, a electronic automatic bill was posted to my account in the amount of XXXX. Although that XXXX is still pending as of XX/XX/22, I have been charged an overdraft fee for every transaction on XX/XX/22 & XX/XX/22 totaling {$140.00}. I was not notified by the bank of the problem via email until XXXX am on XX/XX/22. I immediately moved more funds from my savings to cover all the fees and transactions and then called customer service at XXXX to try to resolve the matter. I spent 45 minutes on hold before ever speaking to a person, I then spent another hour attempting to get reach a resolution. I was repeatedly told that nothing could be done. This is predatory. The charge of XXXX has not come out of my account yet but Im being charged an additional {$36.00} for every transaction that actually has come out of my account. Not only do the excess fees cause financial hardship, I have now missed significant work in an effort to resolve the matter. Almost 2 hours on the phone is for nothing is completely ridiculous.
Consumer complaint received 2022-01-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CO)

My initial call into PHH Mortgage was in XXXX, This call was in order to remove the PMI on my home and order an appraisal. I was told that a mailed letter would come in the mail, I would need to fill it out and mail back a check to pay for said appraisal. This was received roughly 2 weeks later, around XXXX. In the upcoming months I have heard nothing from PHH Mortgage. Being in XXXX XXXX I understand lending and the appraisal process ( better than their customer support, and escalation team ) which has been no help. My next conversation with PHH Mortgage was XX/XX/XXXX, I had called to get a status update as given the length of time that has passed, comps are no longer viable given lending and appraisal deadlines. The customer service agent said he couldn't help but did confirm they had deposited my check, and this would have to be escalated to the next level, although no one was available. I received a call back from the escalation manager on the XXXX, she stated that the order for the appraisal had gone out, and she promised I would receive a call from the appraiser in 7 days. This has not happened. I called back again, XX/XX/XXXX, and once again spoke with the escalation team, he assured me that it was being processed. I demanded answers, again, given an appraisal, there are requirements that have to be met when it comes to comps in the area, these requirements come from the lender and the appraiser typically done not have any flexibly. The length of time that this has taken has now drastically effected the value of my property, negatively because now comparable homes are not in their timeline requirement. This gentleman stated he can not do anything and would have to talk to the PMI department directly. Again I received a promise he would personally resolve my case and call back in 3-5 days. that was 8 days ago. 

The urgency and competency of PHH Mortgage as a lender is pathetic at best. Their practices are borderline fraudulent but who is going to have the money to sue them and take them to court? Show respect to your clients and resolve the issues they have discussed in a timely manner, or at least transfer them to someone who can do something, not a worker in XXXX making $ XXXX day.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate.
Consumer complaint received 2022-01-13
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: Bread Financial Holdings, Inc. (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX has consistently reported my account as late ( 30 and 60 days ) late. I have NEVER been late 30 days or more with XXXX XXXX. I looked at my payment history on XX/XX/XXXX and verified this. I have tried to rectify this with XXXX XXXX and they delete the trade line, only insert it back on my credit repots again with new 30 day lates. 

XXXX also is not any help. Every time that I submit a complaint to the CFPB, XXXX states that they can't respond to the complaint because it involves something that we previously litigated. Which is not true. 

Equifax also refuses to allow me to dispute the trade line with XXXX XXXX. They give no reason why, they just refuse to allow me to dispute the inaccurate information.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (GA)

A credit card was open fraudulent in my name on XXXX XXXX in the amount of {$1900.00}. With XXXX XXXX XXXX XXXX. 
XXXX
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.