davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Financial Services (IL)

Consumer Financial Services- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ran my credit on XX/XX/21 without my permission. I have not inquired or requested any services from them on XX/XX/21. Any business that I has with them has been completed and closed for some years and it does not give them the right to unlawfully run my credit whenever they choose to,
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

This is my second complaint. I thought the first one was resolved, but I went into my account yesterday & I noticed, Loancare took XX/XX/XXXX mortgage payment out of my account on XX/XX/XXXX WITHOUT my permission. I am NOT on an autopay. 

My XXXX payment was already made XXXX, XXXX. My XXXX payment was not due until XX/XX/XXXX. 

The company is LoancareXXXX - # XXXX Attached is the following. 

1 ) my bank statement showing all of my monthly payments. 
2 ) screen shot of Loancares website letting me know that I am up to date and my next payment would be due on XX/XX/XXXX. 
3 ) screen shot of Loancares website now letting me know, my next payment is due XX/XX/XXXX. 
4 ) Loancares payment history. 

If you notice, they reversed some payments and now the dates areXX/XX/XXXXandXX/XX/XXXX. Because they did that, I now have no proof, other than my bank statement, of when the payments were actually made. 

I am beyond stressed and need your help to finally resolve this issue.
Consumer complaint received 2021-12-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  XXXX was settled and XXXX {$230.00} Confirmation # XXXX XXXX said it would be fully removed from my credit reports in 30-60 days. It still hasn't been removed. I demand removal ASAP as it is impacting my credit scores and my ability to get my home loan.
Consumer complaint received 2021-12-03
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. (CA)

I have been a victim of identity theft since XX/XX/XXXX. I have supplied Experian with multiple FTC reports, three different state police reports and have failed to blocked the fraudulent information from my report per FCRA 605B ( 15 U.S.C. 1681c-2 ) subsection a. I have continuously received emails stating they have opened a dispute which is NOT what I requested all the calls and emails with uploaded documents supports that I requested a BLOCK not a dispute process to be initiated. In addition to the emails they are sending me it's stating that haven't received documents that on the call on XX/XX/XXXX the agent in the fraud department by the name of XXXX confirmed that they in fact had received. XXXX Police department stated that an incident report is the same as a police report in their jurisdiction which I uploaded multiple times and mailed certified along with the FTC report. Experian is violating my rights that are clearly stated in the FCRA. Them opening a dispute that allows them 30 days even though I've supplied ALL documents according to FCRA state are grounds for blocking the effects of identity theft and continuously requested for it to blocked that gives them 4 business days have been ignored and they are NOT being held liable for their contribution of the mental, emotional, and financial abuse this is causing me for the past 11 years.
Consumer complaint received 2021-12-03
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 (CA)

I made a purchase on my Nordstrom credit card. I ordered two boots in the amount of XXXX On XX/XX/2021. The delivery was made and left on the street. We live in a security building. The package was left outside the security building one the street. I contact the credit card company and Nordstroms to either reship my order or give me a credit. I have been given the runaround for a month now with no resolution. I want credit back for the package I never received.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

Citizenone 's website and apps intentionally misleading on balances due and time period for them. 

Eg. Not showing due dates and allowing balances to roll into eachout without notifying of past due balance. This way it appears to be all XXXX up to date balance. 

This resulted in fees and credit report stain on an otherwise flawless payment history.
Consumer complaint received 2021-12-21
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)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2022-08-02
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. (CA)

I discovered that some of the account 's information being reorted on my credit report were incorrect when I reviewed it. the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPTEDXXXX  XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-12-03
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)

i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, XXXX is reporting it as open and XXXX and experian are reporting it as a collection... XXXXXXXX is also reporting this 120 days late and a collection thats double dipping, XXXX is reporting a past due balance on a " collection '' ... .look at the 2 year history it is not uniform across the board which it should be ... there are so many violations
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-03
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Credit took over the XXXX XXXX account since it was deliquent. This was then sent to XXXX XXXX XXXX XXXX XXXX. I contacted the law firm in XX/XX/2021 to settle the account. The account was then settled and they informed me they will send a letter to Midland Credit. My account has continued to show up as late/unsettled for the past 6 months. In XX/XX/2021 I called Midland Credit to ask why this is still reporting as unsettled. They stated I needed to call XXXX XXXX XXXX XXXX XXXX. I called the law firm and they reported this account was settled and letter was sent to Midland Credit in XX/XX/2021. I called Midland credit again, numerous times, and was told they would be requesting a letter from XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX again in XXXX XXXX and they are still showing a balance on a settled account. I asked what I needed to do and they asked I call the Law firm. It has been 6 months and Midland credit refuses to update my account. I have asked to speak to managers and have been refused stating they can not assist. Again, this account was settled with XXXX XXXX XXXX XXXX XXXX since XX/XX/2021. Midland credit will not udpate my account so it can reflect on my credit. 

The amount in question is {$210.00}.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (OH)

I have a Milestone Mastercard. I make the payments on time, every month. In XX/XX/2021 I made a payment, then attempted to use the card a few days later. The purchase did not exceed my available credit, but the sale was declined. 

I logged onto the Milestone site, to check my account, and discovered that my most recent payment had been processed, I should have had credit available, but my available credit was listed at zero. 

I called their customer service. I was placed on a lengthy, lengthy hold- before finally speaking to someone. I described the issue and was told that I'd have to speak a supervisor. Another lengthy hold. At this point I've been on the phone for a 1/2 hour. 

The supervisor tells me that they'd spotted a fraudulent charge on the account, and frozen my credit. It wasn't a fraudulent charge, it was a regular recurring charge ( which had gone through previously ). The supervisor assured me that they'd send and email to the fraud department, and the account would be unfrozen within 3 business days. 

Three business days later, the credit was still frozen. I contacted XXXX customer service again, this time I was informed that no email was ever sent to the fraud department and it'd be another week or so before the account was unfrozen. 

It took a good portion of the month, and several lengthy phone calls to get XXXX to correct the mistake they made. The various supervisors I spoke to during this process assured me it wouldn't happen again. 

On XX/XX/2021, I made another payment, was preparing to make a purchase, but discovered the account had been frozen again. 

This time there was a twist, when I tried to call customer service ( XXXX ) XXXX, there was a recording stating that number was not accepting calls. There was no chat function, and no email address. It was as if they'd deliberately tried to make it difficult to contact them, and thereby never provide customer service. 

I had to XXXX an alternative, obscure contact number for their customer service. After another lengthy hold, another conversation with a customer service rep, followed by another hold - I spoke to a supervisor who informed me that XXXX had done the exact same thing they'd done in XXXX and sworn they'd never do again. Again I was informed by the supervisor they'd contact the Fraud department, and the account would be unfrozen within 24 hours. 

They had no answers to my questions about why it was virtually impossible to contact them directly. 

I spend more time battling with XXXX, getting them to unfreeze my account, than I do actually using the card. It's difficult to use the card, difficult to use the credit and they make it nearly impossible to contact them. This doesn't seem like an ethically run business or ethical financial institution.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes please. Thank you.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/2021, a person or persons unknown appeared in the SunTrust ( now Truist ) branch on XXXX XXXX XXXX XXXX. in XXXX XXXX XXXX, XXXX, where our accounts are ( we live in XXXX and spend winter months in XXXX ) and fraudulently withdrew {$10000.00} in XXXX transactions. XXXX withdrawal ( evidently by withdrawal slip and NOT a check ) was for {$4500.00} and the other for {$6200.00}. Nobody from the bank informed us about these unusual transactions. We first became aware of this when we received our XXXX statement in XXXX 2021. 

On XX/XX/2021 my wife and I notified Truist about the theft of our funds and their representative stated that an investigation would be commenced. Since that time, a period of more than a XXXX XXXX months XXXX Truist has repeatedly stonewalled us. XXXX XXXX XXXX of Truist, who ignored repeated voicemails and emails, finally responded when I sent an email stating I would turn the matter over to legal counsel. On XX/XX/2021, XXXX XXXX sent an email stating that " we are in the final stage of approving your claim '' and that the case was " nearing full resolution. '' These statements proved to be false, as we never heard anything further from XXXX XXXX, despite follow up email. 

On XX/XX/2021, I sent a XXXX XXXX letter, delivered the following day, to the CEO of Truist, XXXX XXXX XXXX and the XXXX XXXX XXXX, setting forth our claim and our frustrations. On Tuesday XX/XX/XXXX, I received a call from XXXX XXXX ( phonetic? ) of Truist, stating that XXXX XXXX and XXXX XXXX had received my letter and the matter would be " escalated '' and apologizing for how we had been treated. She claimed a check would be sent to us. That hasn't happened and XXXX voicemails to XXXX XXXX left XX/XX/XXXX and XXXX, 2021 have not been returned. 

Truist has teated us abominably. Over {$10000.00} was fraudulently taken from our account and Truist has not only not done anything about it, it has repeatedly refused to communicate with us, ignoring our attempts to find out what is going on.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER BANK, NATIONAL ASSOCIATION (AZ)

I have a card with Santander Bank that I use for automatic insurance charges. My last charge went through in XX/XX/XXXX. I forgot to check the card to make payment since I don't use it frequently. Santander did not notify me that I had a balance due on the card until XX/XX/XXXX, 120 days since it's been delinquent. I paid off the balance immediately after being notified for the first time, but I had to do it over the phone because they locked me out of my online banking account. I filed a complaint with the XXXX  and the rep at Santander I'm working with investigated my account, and confirmed that they had made no attempt to contact me about my delinquent card since it entered that status XX/XX/XXXX, until XX/XX/XXXX, which I immediately remedied when but it was the first and only time they contacted me about it. Though they did not make any attempt to make me aware of the charges or collect them, they reported my credit line delinquent to the credit bureau for 120 days. My credit history has been perfect, and my score was above XXXX before this incident. I'm in the process of trying to buy a home, recently ran my credit, and my credit score is now around XXXX. Their failure to notify me about this balance for 120 days is leading to major problem for me, due to the timing of my home purchase, which i'm under contract for, and I fear it may jeopardize it altogether. If Santander can not help me rectify my report, fix my score in a timely matter, I'd like to pursue statutory damages. It seems like failure to notify a person of debt owed is in violation of the FDCPA.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

COMPLAINT ID # XXXX XX/XX/2021 Re : Rocket Mortgage,XXXX XXXX XXXX, XXXX, Michigan XXXX ( XXXX ) XXXX rocketmortgage.com - Loan # XXXX XXXX ) I told them that I pay property taxes and insurance outside of my mortgage, yet they insisted on adding them to my debts. After I reported them to the Bureau, they added back some amount to my income to balance it out. And they used the wrong income : {$1200.00} instead of {$1200.00}. I had to wait a month to get the official SS Award Letter to show {$1200.00}. 

It does not matter how much they add in or take out. Their calculation procedure is not transparent. There is no accountability. You just have to take it at face value, however they calculate it. 

2 ) After the Bureau forwarded my complaint to them, they offered me 2 refinance packages. I accepted one package on Monday, XX/XX/XXXX. On Friday, XX/XX/XXXX, they went back on their word. They said I no longer qualified for the loan. 

I did not think I would ever get a refinance loan from them, the way they strung me along, and went back and forth between qualifying and disqualifying. 
No one shoud ever have to go through this. 

3 ) It's a small mortgage, only 150K. I have no car debts, no credit card debts. I also pay property taxes and insurance outside of my mortgage. My DTI should be 55 %. Adding utilities cost, it should be well below 65 % to qualify for the loan. 

It's unconscionable for a XXXX widow to keep paying a mortgage at a high rate, when rate has come down considerably during the pandemic. Millions people are out of a job without any income, and I have steady Social Security income. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-08-02
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C 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. 

TransUnion XXXX : XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (PA)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.