davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
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. (NY)

TransUnion, XXXX, XXXX and has publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties in which are damaging my reputation and credit worthiness. 



REGIONAL ACC TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$13000.00} {$13000.00} {$13000.00} No. of Months ( terms ) : 72 72 72 High Credit : {$17000.00} {$17000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$13000.00} {$13000.00} {$13000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-02-13
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is reporting a charged off account on my reports that I have been disputing with each consumer reporting agency for a while now. 
This account is reporting multiple inaccurate and inconsistent information between each bureau such as different account numbers, open dates, last active dates and last payment dates. If all credit bureaus receive their information from the same place, how is it that each bureau is reporting something completely different than the next? 
The consumer reporting agencies are legally upheld to report 100 % accurate information on a consumers reports. They are supposed to conduct a thorough investigation into all disputes received and they have failed me. 
I am demanding that this account is deleted from my reports now as they are in violation of reporting this account per the FCRA. And please don't respond back with no generic response, a REAL INVESTIGATION SHOULD HAVE BEEN CONDUCTED NOT NO EOSCAR.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood cash account showed a balance of XXXX XXXX Went to a store to make a purchase for XXXX XXXX XXXX was declined. Now the cash account shows a balance of XXXX XXXX 

XXXX does not even show correct values in their app on their saving product. I very strongly suspect they are commiting fraud on the brokerage side with regard to margin calls and " account deficit '' notifications and trading restrictions. 

I would like a full list of every margin call and account deficit/ trading restriction that I was issued over the life of the account, and an explanation as to how it was calculated and how they derived the usd value of the securities. 

When I called robinhood for this information I waited on hold for 40+ minutes and was then hung up on twice. Additionally you can not just call them, you have to go through the app to schedule a call which is then routed to a third party .... very obnoxious... 

They are dodging my questions and acting very suspicious... 
I suspect this is related to XXXX XXXX XXXX. 

Lastly, they will not let you speak to them without the conversation being recorded, but if I want to record my own copy of the conversation, they immediately hang up...
Consumer complaint received 2023-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

We ( I and my wife ) have a savings account with Wells Fargo Bank. My social security payments are deposited into this account every month. I needed money for our home repair. I checked the account and found money was missing. Then I checked each month 's statement. I found someone withdrew {$5400.00} from this account on XX/XX/2022 from a branch window. I contacted Wells Fargo by phone. Wells Fargo mailed a copy of withdrawal slip. My name was misspelled and my signature was copied. Teller, apparently, did not verify identity of that person. Location of the branch was unknown to me. Wells Fargo closed this account due to fraudulent activity and opened new one for us. Claims department is now refusing to pay.
Consumer complaint received 2020-05-28
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. (NC)

File # XXXX of TransUnion was suppose to update information for the XXXX XXXX account. The account shows bal {$650.00}. That is incorrect. The XXXX XXXX account is at {$0.00}. I submitted a request to TransUnion to update the account. It states on the website it was updated XX/XX/2020. You can verify the attached download information-page 2 ; but, it was not.
Consumer complaint received 2023-02-08
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. (NJ)

I have been disputing this account for a XXXX  months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!
Consumer complaint received 2020-05-28
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. (NJ)

On XX/XX/2020, TransUnion sent me a copy of my credit report after updating my personal information. I noticed several accounts were reporting inaccurately and I knew the specific accounts reporting was not mine. So on XX/XX/2020 I disputed four inaccurate accounts which were XXXX, XXXX, XXXX XXXX AND XXXX   with TransUnion via U.S. certified mail. TransUnion sent results in the mail on XX/XX/2020 deleting the XXXX account and claiming to have verified the XXXX, XXXX and XXXX accounts. On XX/XX/2020, I sent TransUnion a letter requesting for a re-investigation to be done on the verified accounts by providing actual proof ( i.e., a note, contract, instrument ). On XX/XX/2020, TransUnion responded and refused to provide actual proof as to how they verified the accounts. On XX/XX/2020, I sent TransUnion a certified letter warning them to remove the disputed accounts or face having a complaint being filed against them. On XX/XX/2020, TransUnion completely disregarded my dispute and just sent the same generic computerized verification response as they did my previous request and just said that the XXXX was verified again in a separate response letter. TransUnion also failed to verify the date that notified the furnisher. TransUnion also failed to verify the date that notified the furnisher. I also warned them that if they did not properly-investigate my dispute and remove the disputed accounts from my report, that I would be filing a complaint with the Consumer Financial Protection Bureau. Due to TransUnion failure to properly investigate my dispute and delete the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future. XXXX deleted the accounts from my report because they were not verifiable.
Consumer complaint received 2023-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ready Capital Corporation (LA)

We purchased our home in XX/XX/XXXX with over {$80000.00} of equity in it. The mortgage company was GMFS. On XX/XX/XXXX, our home flooded. We immediately moved into a hotel for 4 months ( that we had to pay for ), then in XX/XX/XXXX we moved into a FEMA trailer for the next 18 months. During this time we were reassigned to XXXX, but we continued to receive mortgage payment requests from GMFS which continued until filing bankruptcy. As a result of the XXXX XXXX XXXX of XXXX, we were put into mortgage forbearance. Long story short, we submitted for hard-ship or refinance 8 times and have been turned down each time. In almost every instance there was something wrong with our paperwork and on two occasions, when we were waiting on a reply after we though everything was fine, XXXX came back and said they apologize but we had been reassigned to a new manager. My wife even lost her job and XXXX would not help. Keep in mind, during the early stages we had a ton of equity in the property and asked several times to just add the outstanding balance to the back of the loan. Each time we were turned down and the only remedy was to pay-off the entire amount. We even went to our US Senator for assistance and were turned down by XXXX. I have had to file Bankruptcy 3 times to avoid losing my home and my wife has filed once. We just submitted to again to be refinanced to no avail as we are now way behind in payments. Presently, no entity will allow us to refinance the property! We just had someone look at the file and they noticed an exorbitant amount of fees. Not only do the work to remove you from ownership of your property, take your down payments and other money used in the purchase of your home, keep any monthly payments you have made, but add fees, tremendous amounts of fees on to your arrears. GMFS assigned us to a new company without prior notification or approval in the middle of forbearance! We were getting paperwork from GMFS, XXXX, FEMA, XXXX, XXXX XXXX, and a couple of other governmental agencies. Because of GMFS and XXXX my credit suffered and we were turned down for an XXXX loan in the middle of our worst nightmares.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

After sending a removal of debt request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, I received a refusal to remove the debt from my credit report on all 3 bureaus on XXXX XXXX. The letter stated that I had not provided enough information related to my dispute. The 2 documents they sent me were a " move out statement '' dated XXXX. It has a list of charges adding up to the balance of {$5700.00}, and an address with the zip code of XXXX ( a postal code in XXXX, XXXX ). The other document is an Apartment Lease Contract. This document has all electronic signatures and an address with the zip code of XXXX. Both of documents are in consistent, fabricated, fraudulent, and I want this debt removed from my credit report on by XXXX and Equifax. XXXX has honored the dispute of this debt, and removed it already. But I have been turned down by 6 apartments in the last 2 years due to this fraudulent debt. I need it removed as soon as possible.
Consumer complaint received 2023-02-07
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: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and brother of the named alleged debtor XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX getting bills for debts she did not know were made. Loans, Credit cards, bank deductions. The decased was in a position to tak advantage of me. I trusted him totally and he would take care of my bills. This creditor was notified of the fraud, the police dept. will not provide a copy of the report. The deceased brother took money out of a bank account associated with this credit card without my knowledge and also opened up a credit card on this bank in the name of XXXX XXXX XXXX. If there was a signature it was was forged when the account was opened. Alleged Debtor is XXXX, was a victim of fraud. Citizens has been notified by email and documentation provided, but refuses to accept that this is fraud. Sent letters providing this information. They are denying the claim of fraud, most recent denial received today XX/XX/XXXX.
Consumer complaint received 2023-02-07
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. (CA)

I am a natural person, I am a living human being, and I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the account listed below to be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX XXXX : XXXX XXXX XXXX Accept : XXXX
Consumer complaint received 2023-02-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TN)

No specific dates. I can guesstimate XXXX time frame because it was prior to my son being born. The original loan was acquired from XXXX XXXX XXXX off XXXX XXXX in XXXX, FL ... eons ago at this point. {$400.00} something dollars... When it landed at National Credit Adjustors LLC, we were in a bad financial position. However, paid off completely in XXXX to National Credit Adjustors after someone tried to scam us from a totally different company. It was reported to the XXXX XXXX XXXX. They were using my card to pay XXXX XXXXXXXX XXXX and their XXXXXXXX XXXX bill in Georgia. Well fast forward to XXXX XXXX - we are STILL getting threats and calls to be sued despite an email confirming payment from the credit Adjustors as well as a legal note saying we can not be sued for this debt. Now it just happens to be new characters that have false information in hopes to squander more money off a family who can barely afford to put food on their table! My kids can barely enjoy XXXX twice a year and they want to take our spending cash for themselves. It's just simply disgusting. It's selfish, rude and despicable behavior for a grown adult to commit fraud and theft for their lavish lifestyle. XXXX XXXX and XXXX XXXX as they've said their names are, who really knows, but have provided us their fax number as XXXX. In the voicemail they say they are a " Private carrier from the county, we will visit your job and require identification and signature ... '' Their call originated from XXXX and came up as Scam Likely.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a joint mortgage through Bank of America with my spouse. In XXXX  we divorced and I assumed the mortgage. Bank of America revoked online banking for the mortgage account and refused to provide online banking for the assumed mortgage account, stating they can't provide online banking access for assumed mortgages. In XX/XX/2022, XXXX XXXX ( XXXX XXXX  ) erroneously took over $ XXXX from the mortgage escrow for an policy that was cancelled. In XX/XX/2022 XXXX took over $ XXXX out of escrow for the current policy. In doing so, they created an escrow shortage. My monthly mortgage payment went up more that $ XXXX ALL of which now goes to interest only. I was unaware of any of this until late XX/XX/2022 when I received my annual escrow analysis. I am still fighting XXXX for a refund of the money Bank of America allowed them to steal from my account. Bank of America should not have allowed an error or theft of this magnitude to occur. I should not be punished for Bank of America 's negligence by having to pay additional interest. Mortgage companies should be required to provide online banking ( real time access ) to all mortgage accounts.
Consumer complaint received 2023-02-08
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. (TX)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

On XX/XX/XXXX. I signed my modification. The modification removed the co-borrower as we divorced. We also mutually agreed to remove his name from the property deed in XX/XX/XXXX. The divorce was finalized in XX/XX/XXXX and there was no property division included with the divorce decree because as I mentioned we mutually agreed to remove his name from the property deed one year prior to final decree. 

Bank of America contacted me on XX/XX/XXXX, and requested that myself and the co-borrower, sign a loan modification that was already made permanent in XX/XX/XXXX. I did not sign the documents as requested because they added the co-borrower back onto the documents. We were no longer married, he was no longer on the property deed and it had been two years after having received my permanent modification. 

Bank of America did not honor my loan from XXXX. They also did not timely record my loan modification and then attempted to have me sign documents that included my ex-spouse who I didn't even know where he lives or how to reach out to him. They subsequently transferred my mortgage to XXXX.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank (FL)

THERE WAS AN ACCOUNT OPEN FRADULENT IN MY NAME I SENT ALL SUPPORTING DOCUMENTS TO HAVE THIS MATTER RESOLVE. I RECIEVED A LETTER FROM FIRST PROGRESS CARD AND A LETTER STATED THAT THEY DID An INVESTIGATION REGUARDING MY DISPUTE AND THE LETTER INFORMED ME THAT THIS MATTER IS RESOLVE IN MY FAVOR THERE WERE A CASE NUMBER # XXXX THAT WAS CREATED FROM THE COMPANY .AND THAT AN UPDATE WILL BE SENT TO THE CREDIT REPORTING AGENCIES AND An UPDATE TO REMOVE /UPDATE MY ACCOUNT TO ALL 3 CREDIT REPORTING AGENCIES. AS OF XXXX THIS COMPANY HAS REPORTING TWO OTHER ACCOUNTS ON MY CREDIT REPORT WHICH IS INACCURATE AND FRADULENT FROM THE COMPANY. I HAVE FILED ANOTHER DISPUTE XX/XX/. IM ALSO ATTACH COPIES OF MY CREDIT REORT WHICH IS SHOWING PROOF OF THE INACCURATE INFORMATION AND FRADULENT ON MY ACCOUNT. I THINK ITS UNFAIR TO TELL A CUSTOMER WHO IS A VICTIM OF IDENTITY THE MATTER WAS RESOLVE AND THE COMPANY GOES AND LIE AND STILL REPORT FRADLUENT ON MY CREDIT REPORTING.