davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
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)

Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response. There are inaccurate and unknown items on my credit report that are taking over almost 60 days for a response. I feel as if Im being taken advantage of and my disputes are being ignored.
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XX/XX/XXXX, XXXX my husband and I initiated the home mortgage loan process with our local Ameris Bank by completing the online application. We were told that because of the holiday week-end, we would get a call on Tuesday, XX/XX/XXXX. 
On XX/XX/XXXX, I received a call from XXXX XXXX with Amerisave who wanted to proceed with my loan. Even though the names of the organizations were almost identical, I questioned MrXXXX XXXX at length to ensure that I should be talking to him about the loan. He told me that because our credit score exceeded 600, Ameris could not process the loan and had sold it to his company. This sounded logical and we spoke for well over an hour with me providing him personal information and even giving him {$500.00} via a debit card. He was extremely competent, professional, and affable. He sent me several emails, including his contact information. Within a short period of time, he had scheduled an appraisal of the home we intended to purchase, and had contacted my realtor to make her aware of the date of the appraisal. Shortly thereafter, I received an email from someone who told me that she would be working with me throughout the loan process. 
Later, my husband received a call from Ameris Bank to discuss our loan. When my husband told them that we were working with XXXX XXXX, they had no idea what he was talking about. Apparently, Mr. JXXXX had somehow gotten our loan information and " stolen '' the loan from Ameris against our wishes. 
To say that I am irate about this situation would be an understatement. This man totally misrepresented himself to gain our personal and private information, including my Social Security number and banking information. He was totally disingenuous to meet his own agenda, deciding that he could decide who we got our loan with. 
At this point, we have informed MrXXXX XXXX that we want nothing to do with him or his company and we are back with Ameris. When I sent him an e-mail severing our fraudulent relationship, he made a snide response " When they want your money to talk with me, let me know ''. 
I am beyond baffled by this episode, and hope this is a rouge employee, and does not represent the company or the industry. Obviously, we want our money back as soon as possible so that it can be used in our real loan. We appreciate your assistance in this matter. 
Our contact information is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Our Loan number with AmeriSave was # XXXX Mr. XXXX 's contact information is : XXXX XXXX Loan Originator NMLS ID # XXXX XXXX Mortgage Company NMLS # XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, Texas XXXX Phone XXXX
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (TX)

Reference no : XXXX Wells Fargo is purposely reversing claims after the accounts have been closed and the issue was resolved. XXXX XXXX charged an annual fee for {$100.00} after my laptop had just been purchased after 2 weeks. This transaction occurred through my XXXX account. The claim was filed on XX/XX/19. I am no longer affiliated with Wells Fargo. This is the second reversed claim that Ive received after leaving the bank. This bank should be investigated for its practices.
Consumer complaint received 2021-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One. 

Due to Covid last year, I was unable to make payments and they told me that it was OK to defer payments for a period of time. So I did and I got finacially back on my feet within the time frame they wanted. I began to pay the minimum payments and have been below my credit line. 

It has been restricted however, and I called them and they said it was permament?! What gives? Following what they told me to do and now not allowing my access?
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

I have obtained a recent copy of my credit report and discovered this account number XXXX. The account is UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations that appear to be not in lawful compliance to reporting regulations. I understand my rights and I am serving you written notice of my consumer demand checking for your federally required proof of compliance even to the XXXX XXXX data field formatted regulatory reporting obligations of you as a specific mandate due to the XXXX enactment and implementation of the standardized XXXX sponsored XXXX XXXX Compliance rules. The Fair Credit Reporting Act dictates that any and or all accusations of debts, true or not, must be accurately and timely reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that the account in question was not handled properly. I am enacting both my consumer and my civil rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to provide me with written documentation of the deletion of this erroneous information for not lawfully compliant which obviously in question. You can be assured also that immediately I am also notifying the XXXX XXXX XXXX and Consumer Financial Protection offices in regards to this unforgivable and extremely injurious error in your clear mis-reporting of illegal mis-information
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Step 1 : What is this complaint about? 

Capital One will not issue money back due to time constraints on a dispute. 
XXXX XXXX company instructed me to request money back from credit card when trip was cancelled however Capital One has closed my case with no refund. 

Step 2 : What type of problem are you having? 

Capital One will not reimburse Total : XXXX owed. 

XXXX -- > XXXX XXXX -- > XXXX Step 3 : What happened? 
Booked a trip through a company called XXXX which went insolvent during covid and all trips were cancelled with no refund. I filed disputes with capital one and they closed the one dispute with no refund. The other charge from XX/XX/XXXX they would not open a dispute for due to time constraint. 

Step 4 : What company is this complaint about?

Capital One Credit Card Step 5 : Who are you submitting this complaint for? 
XXXX. XXXX XXXX XXXX.
Consumer complaint received 2021-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX agreed to remove two late payments ( XXXX and XX/XX/2020 ) and accordingly contacted all three credit bureaus. All removed but TransUnion.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The information shown in the credit report is incorrect, which I found out the record was crossed with my brother 's record, maybe due to we have the same first and last name, and only 1 digit different on the social security number.

We file a complaint transunion, after they sort out, only left 2 record, which other record are missing. 

We called transunion again, they said is nothing they can do, everything is computer generate record, after they put in the social security number, name, date of birth, that's what the computer show, and they said nothing they can do. 

So what should I do?
Consumer complaint received 2024-11-12
Product: Credit reporting 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. (NJ)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I used the XXXX Bank ATM on XXXX XXXX in XXXX, MA this was about XXXX. I attempted to deposit {$1300.00} of which the an initial {$450.00} was being deposited when the ATM malfunctioned and shut down with my deposits in the machine. I waited in vain to receive my funds bank as the machine showed an error message on turning back on. I contacted the bank in regards to my experience and was promptly assisted including depositing a conditional credit while they investigate. However four weeks later the bank sent me a letter than after investigating they found only an overage of {$50.00} on that machine and immediately withdrew funds from my account. I was perturbed as to why the bank with cameras etc at the ATM machine would not share their evidence but simply made a decision without even looking at my own evidence. I had a recording and images of my own which I shared with the bank instead they ignored them and now continue to charge overdraft fees on my account. I have made several attempts to explain my situation but to no avail. I have lost confidence in using the ATM service as any malfunction falls squarely on me. This is a service I use because of long hours at work that are out of the bank operation times. I am requesting through this agency that the bank reviews its records including my own evidence which clearly shows no funds being released from the machine. And remove overdraft fees arising from this bank error.
Consumer complaint received 2021-08-24
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)

I sent by certified mail on XX/XX/XXXX requested to remove 4 unauthorized ( see below ) inquiries and a collection ( XXXX XXXX XXXX  ) that should not be on my credit. The XXXX XXXX  only shows on my TranUnion and not on the other two credit bureaus. Under the FCRA and FTC Laws, all information must be accurate, no errors and verifiable. There investigation did not show me where I have signed any authorizations approving these action. Please have TransUnion remove these errors because their investigation did not provide any accuracy. This information that appears on my TransUnion report is not mine and must be removed immediately. 

XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

I recently received a collection notice from XXXX XXXX XXXX regarding their reference # XXXX for a balance due of {$140.00} This amount is fully disputed as being totally invalid, and I never used PayPal credit. Someone fraudulently used my name. PayPal shows a XXXX  balance for me and has no record of me making any purchases using credit.

Kindly report this matter as fraudulent and remove it from my record.
Consumer complaint received 2021-08-24
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. (DC)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/2016 XXXX
Consumer complaint received 2021-08-24
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: Shellpoint Partners, LLC (NJ)

My mortgage account was in forbearance from XXXX to XXXX of 2021. The person handling the case at Shellpoint mortgage openly admitted to submitting my paperwork earlier than it should have been. Now its saying that I am 2 payments behind and they reported one already and it has dropped my credit score. I disputed it once and they removed it and my credit score went back to the original score. I disputed it again and it was confirmed that I was correct but they did no correct the report and my credit score was impacted again.
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-01
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. (FL)

i see collections on my account which I have asked for debt validations with my wet signature. yet I've not been able to get that from the debt collectors and the credit bureaus have continued to keep that on my report with valid prove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-24
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. (PA)

Hello again, and to whom it may concern, I'm still having difficulties with TransUnions regarding inaccuracies on my credit report. I've sent out multiple letters asking for the details of the investigation regarding how they " verified '' an account that clearly isn't mine and its been past 30 days and I'm not receiving anything through the mail, email, phone call nothing. I know they received my letters by now and it's almost XXXX and I sent these disputes out the 3rd week of XXXX. Please help me because they are not taking my situation seriously and their ineffectiveness to report 100 % accuracy on my credit report is not only hurting my credit but its causing me to have to pay higher interest, I can't get approved for home or car loans, can't obtain new credit etc. I'm ready to file a complaint with the XXXX XXXX XXXX if this keeps up.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX trans union. Keep reporting inaccuracies and comments on my credit report. XXXX. Account number XXXX comments are inaccurate I have never been in forbearance in fact this account is paid in full. I have provided them notice from XXXX, XXXX. Showing this account was paid in full and was never in forbearance or deferred. The inaccurate comments on this account needs to be deleted. Enclosed you will find proof that this account was paid and never deferred or in forbearance of any kind. 
XXXX, Trans union and XXXX assured me on the phone it would be corrected and removed and nothing has been done. Because of this inaccurate comments they are reporting I am being denied a mortgage loan.
Consumer complaint received 2021-08-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I own a two family home. I applied for a loan modification back in XXXX of XXXX. Prior to that date we had fell behind in paying the mortgage back in XX/XX/XXXX. My brother who is the co borrower on the loan fell behind due to getting laid off from work due to COVID and my second job was also cut off until further notice. XX/XX/XXXX, my brother then filed a quit deed and that left me alone to pay my mortgage. My tenant loss her job XX/XX/XXXX due to COVID and then moved out. I have been in communication with Bank of America since XX/XX/XXXX until now XX/XX/XXXX. It's been 8 months of a prolonged loss mitigation review process. They have asked me for endless repeated documents and also explanation of expenses. I have been nothing but compliant with all of the documents that was asked for. I call and check in every week with something new being asked of me to send proof of every time. Just when I thought they had everything, the underwriter asked for tax transcripts and proof of water bill back in XX/XX/XXXX which I provided in XXXX  XXXX. XX/XX/XXXX I received a letter that they did not receive documentation of income or proof of occupancy and they closed my case. That was a conflicting letter because every document they asked for I sent it in a timely fashion and spoke to a loan representative every week. It's a dead end calling because someone different answers every time and has to review the file all over again with no answers. I don't know if because I am XXXX american that they won't help me and is basically giving me the run around. They would keep telling me they are noting the account and messaging the under writer and call back in a few days and when I call back dead end no answers. Today XX/XX/XXXX was the last straw for me when they told me that my file was closed on XX/XX/XXXX and I would have to reapply. This is not my fault I want help more than anything and I have been sending my information faithfully upon asked and checking in every week. They don't call me to ask me for information needed. Whenever I call that's when I know information is needed. This is unacceptable and unprofessional there are programs to help people and they won't help me. This is not the first time I have reached out to them regarding my mortgage and they keep denying me. I have XXXX  children I need my home. I have an income all I need is mortgage relief and lower monthly payments. Its very stressful trying your best to save your home and then to find out for all these months was a dead end. Its not right XXXX  I am XXXX, XXXX  XXXX  confused and I don't know where to get help.