davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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 sent a letter last XX/XX/XXXX, in 3 credit Bureaus to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 63 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

On XX/XX/2022 I had called in to CitizensBank to close my account due to no close branches near me. Whats the Customer service agent told me having a 2 account checking account and a savings account I should transfer all my money from my savings account to my checking account and then closing both account out. My account is closed but I never received my remaining balance in the account. I called numerous time every two weeks to check on the status each time through to someone new on the phone I have been told to just wait two more weeks waiting after 3 months is my max and I dont know what to do. Each time I tried to contact CitizensBank I have been told the same thing we apologize but your checking is coming please wait 2 more weeks. Also each time I called they confirm my address and as of today Im still receiving statements so Im sure they know my correct address
Consumer complaint received 2023-01-21
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: EQUIFAX, INC. (TX)

I have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 

1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine.

2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all 3 credit bureaus 4. ) Equifax is reporting a closed collection account as open and the status as 120 days late
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX my wife, XXXX XXXX, and I, XXXX XXXX, were scammed - and we are devastated. What happened was that I received an email, claiming to be from XXXX ( but it was from the scammer ) and suggesting that I " solve the problem '' ( which was that {$4500.00} had been charged to my XXXX account ) and contact " XXXX '' by calling one of the phone numbers listed. 
I'll attach this scam email. 
The scammer then suggested that we purchase gift cards in the amount that had been charged. And if we passed on the gift card # XXXX and amounts to the " XXXX '' person, our " problems would be solved '' and " no charge to my XXXX account would occur. '' We did all of that - including buying gift cards, using my Bank of America debit card. 
After we discovered that this was a scam we sent a letter to Bank of America, explaining what had happened. 
B of A then issued on XX/XX/XXXX a credit of {$4900.00} ( not sure how we ended up w/that amount ) to my debit car account. We assumed this was a generous B of A decision till we received a letter, also attached, from B of A, stating that this was a temporary credit, and subjetc to B of A doing extensive research.
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to the car dealership in XX/XX/XXXX trying to get a car. I told the car sales men I only want to use XXXX bank. However I'm looking at my credit report I see over XXXX hard inquires from all these different companies. Hard inquires from different months in XXXX and XXXX that wasn't from me.
Consumer complaint received 2021-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Two unknown accounts have appeared on my credit report. I dont know how they came or who debts they are but they arent mine. I have sent letters to reinvestigate the problem and have yet to receive any response. these unauthorized/unverified accounts are affecting my insurance rates and I need them gone. On XX/XX/2021 I sent 609 letter to Transunion to show them the unverified accounts and asked them to remove them if cant verify. No actions was taken. So XX/XX/2021 I sent i sent another letter, informing them its been 30 days without a response and by law they have to remove or else I will be contacting the CFPB. Still no actions have been taken. Please help me as these are affecting my insurance rates.
Consumer complaint received 2020-07-16
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. (MI)

I disputed an error on one of my auto loan accounts with Experian twice and provided supporting documentation. The status of the account ended up being worse than the initial report and they said it was based on information provided by the creditor. The creditor has verified that have not provided any 60 day late information to the credit bureaus. Experian is disingenuous about the dispute process and refuses to correct the inaccurate information after several attempts.
Consumer complaint received 2021-12-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Freedom mortgage keep purposely misapplying escrow payments. I paid {$2900.00} on XX/XX/2021 at the direction of Freedom Mortgage, per email correspondence to ensure my mortgage payments do not increase, post covid forbearance. When they received that payment which I sent to the address with " escrows '' written in the payee and memo of check, Freedom Mortgage applied it to the balance of the loan. When I called to get this payment correct again, the agent hung up on me. I called back again, the next agent tells me they are required to apply it to past due balances, which is opposite of what I was told. This company needs to be investigated for this repeat issue.
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (VA)

The Money Source Inc. ( " Servicer '' ) is demanding escrow payment, on the next regularly scheduled monthly due date, for a city tax of {$570.00} and a county tax in the same amount. However, as reflected on our closing documents, which are in Servicer 's possession, there is only a city tax requiring collection of {$570.00} per month. There is no county tax. Accordingly, Servicer is seeking to collect {$570.00} more than Servicer is permitted under the Real Estate Settlement Procedures Act of 1974, as amended ( RESPA ), and other applicable federal and state laws.

We brought this error to Servicer 's attention via email on XX/XX/XXXX, and Servicer sent only a boilerplate response. We then twice requested the appropriate mailing address to which to submit a qualified written request pursuant to RESPA. Servicer declined, twice, to provide the requested information, instead sending only the same boilerplate response once and then entirely ignoring the second request. Servicer 's refusal to provide this information through Servicer 's designated customer service channel constitutes a separate RESPA violation.
Consumer complaint received 2024-10-17
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. (GA)

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.
Consumer complaint received 2020-08-20
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: Rocket Mortgage, LLC (NJ)

On XX/XX/XXXX XXXX from Quicken Loans called my husband XXXX to offer a refinance offer with a better rate that could potentially save him money. XXXX explained that he was not able to move forward with any part of the process until he was able to speak to his wife, XXXX. XXXX set up a phone call so all parties could discuss the details of this offer. This call did not occur because I, the wife, did not agree with refinancing at this time given that we had recently refinanced with Quicken Loans in XX/XX/XXXX. On Saturday XX/XX/XXXX I ( XXXX ) received a notification that I had received a hard inquiry on my credit report. After inquiring about this, it was identified that this hard pull was completed by XXXX XXXX XXXX XXXX for Quicken Loans. XXXX and I called XXXX to question why he had run my ( XXXX ) credit without my verbal or written consent. He was not able to speak due to technical difficulties at the time but said he would have his supervisor call us soon. The supervisor did call eventually but we had already reached out to XXXX, associate resolution advocate for Quicken Loans to explain. XXXX set out to investigate. She called back on Wednesday to tell us that the hard inquiry could not be reversed because in the initial conversation, XXXX was asked to give his dob in order to pull the report, which XXXX did not comprehend to be our credit reports. So XXXX did provide his dob but clearly stated that he is not moving forward with this process until his wife XXXX is informed. XXXX asked XXXX to speak to management in the hopes to appeal this decision. A senior management advocate called back and basically explained that nothing can be done. XXXX referenced the Fair Credit Reporting Act which should not allow access to a consumer 's credit information unless the individual him or herself gives written permission, or unless this is a court ordered issue. Additionally, a permissible purpose for making a consumer report for a spouse that is not involved in the conversation, should prohibit the creditor from requesting information on that spouse. I also asked if a copy of that recorded conversation could be shared or if she could provide me with something in writing that states that the hard inquiry could not be reversed and why, but the answer to both those questions was no, they are not able to provide such requests. I ask that the hard inquiry be reversed. My husband did not understand that by giving his dob verbally by phone, my credit report would be pulled and negatively affected. This is not only poor practice, this is to me a violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (OH)

I called Citi Bank about a fraudulent account opened in my name and asked it to be removed completely from my credit report. They did not remove it. They placed a XXXX  balance on the account and wrote a note saying the account was closed by my request. I did not ask them to close out the account. I asked them to REMOVE the false information that was wrongfully placed on my credit score. I stated to them this was a fraud.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

Received a spam text message from XXXX as follows " ( XXXX-Alert ) You recently scheduled ATM Withdraw Using XXXX Pay XXXX - XX/XX/22. if this was NOT you visit XXXX. ". I do not bank with XXXX XXXX and do not own a XXXX phone. I genuinely believe this is spam and fraudulent.
Consumer complaint received 2020-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

I have XXXX XXXX Coins with a current value of {$4700.00} that is stored in a vault on Coinbase and I attempted to withdraw the balance to my wallet on XX/XX/XXXX. When the request was made the company sent emails to my primary and secondary email accounts to approve the withdrawal. I clicked on the link in my primary email account and it worked fine ; however, when I clicked on the link in my secondary email it brought me to the Coinbase website, but did not approve the withdrawal. It states that " You have already performed this function '' and yet the action remains unapproved. I attempted this several times over the past 3 days with the same results. I filed the Coinbase automated customer service form and received automated responses of no real assistance. I have attempted to reach them over the past three days without a response. The company does not accept phone calls except for compromised accounts and you can not email them directly. This is a bad link and should be any easy fix. This is a problem mentioned by many people on several review sites like XXXX dating back to XXXX, so they are aware of it and simply don't fix it. This is an exchange for trading and if it is not timely, you lose money.
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi and how are you? Listen, I've disputed this account before with XXXX XXXX XXXX and they removed it base on the errors and violations and that i don't owed the debt. How did you get this? Because, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please  evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged  contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

On XX/XX/XXXX I received an email from FedLoan Servicing stating the following : " ... If you made payments and now realize you were not required to, you can request a refund for all payments made since XX/XX/XXXX. '' Being that I made payments towards my federal loans adding up to approximately $ XXXX, I called and emailed FedLoan Servicing on XX/XX/XXXX to submit a refund request and was informed that I would receive the refund in the next 30-60 days. I called numerous times since then ( in XXXX and XXXX ) asking for an update on the status of my refund and was informed of an issue with the Treasury Department that would cause a delay in my refund so I waited another month. I called again recently and was informed that my refund request was canceled on XX/XX/XXXX ( 18 days after my request for a refund was made ) with no valid explanation as to why it was canceled. When I expressed my frustration with FedLoans customer service, lack of communication, professionalism and accuracy, I was hung up on many times and had to call back to start the process all over ( this happened at least 4 times ). When I finally reached someone in the escalation department I was informed that there was nothing that they can do to fix this issue since my federal loans have now officially transferred to a new loan servicer ( transferred on either XX/XX/XXXX or XX/XX/XXXX ; I received 2 different dates ). I have been told by FedLoan that I need to request a refund through my new loan servicer and that it will take an additional 30-60 days to receive it. When I contacted my new loan servicer, they notified me that they have not officially received my federal loan account yet and therefore can not process my refund request. The deadline to receive my refund is XX/XX/XXXX and I fear that I will not receive my refund in time and will lose out on the money that I spent to pay my loans during a period that I did not need to. FedLoan Servicing is completely inefficient and has wasted my time for the past 3 months. I was not informed until the last minute that my refund request was canceled almost immediately after I submitted the initial request. The representative who hung up on me was named XXXX ( # XXXX ).
Consumer complaint received 2020-08-19
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. (KY)

I received a letter from the creditor, XXXX XXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to verify/validate the requested information. I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau. 

This is coming from XXXX XXXX. I will attach a copy of a utility bill to prove myself.