davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
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. (NJ)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AL)

I currently have SPS Servicing as my mortgage company. At the beginning of two years ago, my husband was diagnosed with a XXXX and has not worked in 4 years. I have applied several times for a modification due to my household income reduction. I was denied, so I continued to struggle and make payments. Later COVID-19 happened, I was only one month behind I did a forbearance for Covid relief. Before I agreed I asked would I be required to repay all at once and I was told no on a recorded line. After the 3 months was up they told me to submit and appliactaion for repayment plan. They denied the application saying the status of the loan??? I feel I have been wrongly and unfairly treated by this company. 

Please help!!
Consumer complaint received 2020-09-07
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. (FL)

XXXX  Credit provides " guidance '' on improving credit scoring. When I follow THEIR guidance nothing happens! I had a XXXX credit score. " Now, it's XXXX! WITH NO CHANGE IN MY PAYMENT HISTORY! To refinance my home at the best rate, 2.25 %, I need an XXXX. My credit is " EXCEPTIONAL '' { XXXX 's words not mine } and indeed it is! NO missed or late payments EVER. YET month after month NO VIABLE INCREASE. I guess their " scoring rules '' use things like " length of credit accounts '' which I have NO CONTROL over except MORE WAITING for time to go by! This is UNFAIR and UNJUST. THE US GOVT NEEDS TO STEP IN AND MAKE THESE CREDIT COMPANIES BE REALISTIC! They REFUSE to do it on their own!!! If I am, by THEIR OWN WORDS, " Exceptional '' WHY isn't it designated XXXX NOW!!!??? IF CFPB is a watchdog agency, where are the REPERCUSSIONS for these companies? Reaching AN IMPOSSIBLE STANDARD is NOT a " Standard ''. Also, as SOON AS YOU LOG IN, one is MET with PAY US {$24.00} A MONTH and things will be better! SCAM!!
Consumer complaint received 2021-01-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i have a fraud account on my XXXX XXXX report from bank of america and i want it removed and blocked from reporting under the FCRA and XXXX XXXX is refusing i have an id theft report from the ftc and police report i sent them
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I received a notification from my bank regarding the deposit of the stimulus check and unemployment benefits. On the day, I called Chase to request 2 overdraft fees to be waived due to financial hardship caused by the pandemic. I was awarded the request and advised by the female representative that I could call to request assistance as long as it was covid related. Once I verify my bank account on the app, I noticed that there was another deposit made by chase that is labeled " Govt. Stimulus Chase 30 day Overdraft Assistance ''. I thought, " wow, is awesome that chase decided to help their clients during these times ''. I proceeded to see how much I had available in order to know how I would be distributing the funds. I had rent, phone, utilities, car, credit cards past due. On XX/XX/XXXX, Chase sends a secure message to my account indicating that the funds deposited as " assistance '' had to be paid back within 30 days. By the time I read the message, 2 weeks had passed as I was dealing with my financial crisis as well as my health. On the XXXX, chase sends another message to the account indicating that on XX/XX/XXXX, the funds given would be deducted from the account. I responded to their message today XX/XX/XXXX, but I would receive a response within 2-3 business days. I decided to call once I sent the message. The representative who assisted indicated that since they had notified that would have given people time to call and return the money. Right now all chase is offering to do is charge the account on the XXXX of XXXX and not charge any overdraft fees for 3 days to give time for the funds to be placed in the account. At the moment, I am still waiting for unemployment to pay out for 4 weeks. I do not know when they will be deposited since the department of unemployment indicated they would pay during the last week of XXXX but XXXX is only 3 days away. Another issue this brings is the dubious and shady actions of chase Bank to place funds in an account and label it as some form of assistance being provided to then be informed 8 days later that it was actually a loan placed by the bank without consulting the consumer. I am calling it a loan because their wording was misleading and incorrect.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

equifax continues to report these accounts incorrect. ive called them multiple times and they refuse to fix. they are reporting indigo account as of 120 days late as of XX/XX/2020 the connotation is also incorrect on this account. they hve a XXXX balance which is correct but its listed as a charge off which is incorrect. how can it has a XXXX balance and be 120 days late as of the last report cycle
Consumer complaint received 2021-01-27
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. (FL)

I would like to file a formal complaint against Transunion, XXXX  and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA because they 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error. 

2. Failure to respond to a dispute within 30 days 3. Failing to provide the method of verification. Including the real name, address, and phone number of the furnisher within 15 days of your request.

4. Failing to notate that an item on your credit report is under dispute after a creditor or debt collector has reported the dispute.

5. Failure to provide all relevant info ( sign contracts, etc ) In XXXX I contacted several collection agency 's including XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX  requesting to validate the alleged debt. These collection agency 's never responded to my request. 

In XX/XX/XXXX I contacted Transunion, XXXX, and XXXX  requesting an investigation in which the results returned as verified and met FCRA standards. How is this possible if the collection agencies never responded to my dispute request? They also never even notified the collection agencies that I was disputing the debt. 

In XX/XX/XXXX I sent a follow up request asking that the accounts be verified, which grants them 15 days and they never responded in the allowed time frame as well. They continued to report the accounts were verified. 

In XX/XX/XXXX I sent a third request again asking to have these inaccurate accounts, removed and updated. My request has once again been ignored. 

THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. 

TRANSUNION, XXXX  AND XXXX  HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNTS!!
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I have reached out on several occasions to Experian because the website they offer for a monthly fee tells me that I cant see my most recent scores from XXXX or XXXX. I have followed the prompt and reached out to both XXXX and XXXX to fix the supposed issue of them having information that doesn't match that of Experian. They verified that everything I have on their files match each other. But for months now I haven't been able to see neither the XXXX nor the XXXX score or report XXXX  XXXX of XXXX
Consumer complaint received 2019-04-12
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. (GA)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-09-22
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. (FL)

I have and account thats not mines on my credit report XXXX XXXX XXXXt thats not mines but the credit bureau XXXX refuses to remove it even after notes from creditors stating they have no acknowledgement of this account.
Consumer complaint received 2024-09-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I have tried for over 30 year to apply for a simple credit card. Either through my banks or XXXX. I have applied for XXXX to Kohls just for school clothes for the kiddo 's, I get a denied. 
I made {$72000.00} last year and still denied. I paid off my 5 year car loan with 97 % on time My payments were through XXXX XXXX in XXXX XXXX. I received my pink slip and the purpose was to Build Credit. Its at XXXX?
Consumer complaint received 2021-01-27
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: Experian Information Solutions Inc. (NY)

There is several inquires actually 21 on my Experian report all in which 3 were made by me. I just got off the phone with XXXX in disputes department and she was very rude and did not want to do her job. She told me that I can validate all these inquires myself that its not her job. My report states due to fraud a couple months back it states i am a victim of fraud and to contact me before proceeding. That has not ever happened. Not to mention I pay monthly off my credit card for this monitoring service of they offer.. I also have 2 accounts that have never been validated to me for a year now and they keep responding meets FCRA requirements. MUST NOT IF YOU CANT PROVIDE DETAILS to me.. Bottom line if you don't want to do your job then stay home!!! My report is locked but i get 21 inquires REALLY!! I cant describe the way this XXXX has changed my whole out look on this company I pay monthly to help keep my information safe and make sure things are reported correctly. These people do not understand the importance of the job must be these reports run our lives and differs comfort or struggle ...
Consumer complaint received 2019-04-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EVERBANK, NATIONAL ASSOCIATION (MA)

My TIAA Mortgage Lender called me on XX/XX/2019 to inform me that my XX/XX/XXXX mortgage payment was 30 days late. I explained that I have auto pay set up on my account, and they explained that it was no longer in place. I contacted a supervisor to explain that XXXX XXXX ( my bank ) experienced a fire on XX/XX/XXXX, which impeded any bank activity for three days. So, my mortgage payment was denied. I spoke to a TIAA mortgage representative who helped me make an ACH payment over the phone, but she failed to explain to me that TIAA would be attempting a second time to debit my " auto payment '' two days later. She was a new employee and was not familiar with the protocol. Given I would not have enough funds in my XXXX XXXX checking account to cover a second mortgage payment two days later, I canceled the ACH payment. TIAA was able to debit my payment via my auto payment option. Apparently, when I canceled the ACH payment, the TIAA mortgage rep canceled my auto payment option. So, I was not aware that my mortgage had not been paid on XX/XX/XXXX. ( But, I did successfully make my XXXX mortgage payment when they debited me the second time ). Also, when I spoke to the TIAA Mortgage Lender rep on XX/XX/2019, she said that they had sent me a letter on XX/XX/XXXX informing me that my XX/XX/XXXX payment was late. I explained that I had never received a letter and I open my email every day. I also never received a phone call or an email alerting me to this fact. When I arrived home from work on XX/XX/XXXX, I found a letter from TIAA telling me my mortgage was late! I also asked the representative over the phone, and she said the late payment had been reported to all three credit bureaus! I believe TIAA is behaving fraudulently in order to force me into default. I made the payment immediately over the phone to TIAA on XX/XX/XXXX for my XX/XX/XXXX mortgage payment, and it was credited to my loan on XX/XX/2019. I also pulled a copy of my credit report online and disputed the adverse reporting on XXXX. I received a notice today ( XX/XX/XXXX ) that my dispute had been addressed, but I can't tell if the adverse posting was removed. Also, I had trouble disputing it with XXXX   and XXXX  online. Their online dispute claim pages kept bumping me off. So, I am reaching out to you for assistance to remove the adverse reporting regarding TIAA on all three credit reporting agencies. Please advise. Thank you!
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CT)

I called Vanilla Gift Cards XXXX XXXX XXXX XXXX XXXX, on XX/XX/2021 at XXXX, my call lasted for about 16 minutes. I spoke to customer service regarding a scam that I was apart of involving their gift cards. I explained that a person hacked my bosses email address and pretended to be him and instructed me to purchase 5 gift cards all {$200.00} each, totaling {$1000.00}. The customer service rep was a women but I did not get her name. She then asked me to read all of the cards off to her, and then told me some of them were not used yet. I asked her if she can stop the cards from working and she literally told me there was nothing she can do. Which I find strange, because if you lose a giftcard they are able to stop the funds on a lost card and send you a new card, but she somehow couldn't do the same for this. So, I literally had to watch the scammer just use my money that I still could have stopped if she had done something. She then told me that a dispute packet would be sent to my email address within 10 minutes, and she provided me a case number. I asked her how long this would take to dispute and she told me 90 days. Her dispute team would have to call the merchant and that would take 45 days and then if they agreed with my case they would send me a check. In the dispute packet she told me I would be able to send the emails that this scammer sent me to help my case and then I would be able to tell them if I wanted a check or gift cards in the amount that I was scammed. So the call ended and I kept checking for the dispute packet and I never got it. I checked my spam folder as well and never got it. 

So an hour later I called them back Wednesday, XX/XX/2021 at XXXX, this call lasted 17 minutes. I told the customer service rep everything again, and mentioned how I never received the dispute packet that the other CSR told me I would get in 10 minutes. She asked me to check my junk, nothing, and then confirmed my email, which I did. She then told me the packets take 24 hours to get to our email. So clearly not consistent. She asked me to read the gift cards off to her to check my dispute and NONE of the gift cards, but ONE was recorded in my file. If I even have a file. I asked her if I am disputing all of these gift cards why is only one recorded and she said they all go together? excuse my language but XXXX. 

She told me after 24 hours I would recieve a packet, she went over all of my information and we hung up. Well it's a week later and I have no packet. I have messaged this companies XXXX account to get help and nothing. 

They do not help their customers when they easily could have stopped the payment on the cards THAT STILL HAD MY MONEY ON THEM and she let the scammer continue using them. I am applaud that this company is still in business, they don't help you at all.
Consumer complaint received 2021-01-27
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. (NJ)

I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc. (GA)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Let me start by saying I have had nothing but problem with this servicing company. This is my second complaint with you agency with this company. 

The servicing company XXXX XXXX issued my a refund of my escrow account once they finally analyzed the account after payoff. They issued a check in the amount of {$3500.00} which I deposited into my saving account on XX/XX/XXXX. On XX/XX/XXXX the check was not cleared a stop payment was placed on check and I was charged {$15.00} by my bank. 

I have made several calls and sent email asking for clarification and reimbursement. I have been told that they do not see where the check was stopped. Therefore, I am asking for your assistance in getting to the bottom of this. I constantly have to struggle with this company with they wrongful doing. 

These funds are needed in order to pay my property taxes. 

Thanks
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Platinum credit card. I accidentally paid my account in full XX/XX/XXXX, through the app as i was sleepy. I thought i caught it in time, cancelled it, then paid what i intended to pay. A couple days later XX/XX/XXXX, I realized what had happened and as it was Sunday, I tried to call Capital and my bank to get it resolved as I had paid many bills that day and they would all bounce as I had wiped out my checking account with the payment error- It was a little over {$9000.00}! They said, too bad, the money already left, Capital said - will send check in mail and it will take 3 weeks. I said i'm desperate - I need that money sooner. Capital said OK, we will send it electronically. It will take 10 days instead. I agreed. After 10 days I called Capital as the money was not in my checking account. Capital said - Oh, we can't send it electronic, we sent you a check. I asked why nobody called me to tell me that the plan had changed. Capital said- we don't have that function. OK, fine. I wait the three weeks and there is no check. I call Capital XX/XX/XXXX? not sure of this date, and said, it's been 6 weeks now and I don't have a check and you are charging me interest on money that you have control over. I asked them to stop payment on the check and just put the money back in to my Capital account. Capital said, we can do that. It will take 4 days for the cancel check and then a few to get the money back in to your account. XXXX ( would not give last name ) said I promise you I will follow up with you on XX/XX/XXXX. She never called. I called Capital XX/XX/XXXX, and asked the status and XXXX states that another check was issued XX/XX/XXXX and is in the mail. I said that was not the plan and nobody told me the plan changed. I told her I did not want to wait another 3 weeks for my money. She asked if I wanted to stop payment on that check and have her debit my account. I said that was the plan last week and the plan changed and why is it going to be different this week? She did not have an answer for me. I told her that it has now been 7 weeks since I have tried to get back $ XXXX dollars and that I've been lied to now on numerous occasions. She told me all she can do is stop payment and credit my account and it would take 4 days plus a few, just like XXXX had said. I told her that I had no confidence that this would happen as XXXX had told me the same thing and to add to it, never called when she said she would. XXXX stated she would call me on XX/XX/XXXX. I have no other recourse to get my money back so I am reporting them for delay in processing and lying to me about what was happening with me money.