davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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. (MD)

XXXX, XXXX  AND TRANSUNION ALLOW THE COLLECTION ACCOUNT WITH XXXX XXXX TO LEAVE INFORMATION BLANK AND INCOMPLETE. XXXX, XXXX  AND TRANSUNION MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! XXXX  XXXX  AND TRANSUNION PURPOSELY ALLOWS XXXX XXXX TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. XXXX   TRANSUNION, AND XXXX  ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW.  THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

under the fair credit reporting act it is a violation to report inaccurate or in error information to the consumer credit reports Learning that someone stole your identity can be extremely stressful enough I have all required documentation that is asked of to remove the following accounts that was not authorized by me 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2021 I was alerted by the FL XXXX XXXX XXXX XXXX that someone using my credentials had applied for unemployment. It was not me. I alerted the university where I teach, as well as the XXXX XXXXhat someone was fraudulently using my credentials to apply for money. I also alerted the three main credit bureaus that fraudulent activity was happening with my credentials. 
Soon after that.. XX/XX/2021, I received notice from TD Bank ( talked to XXXX ) that someone had opened up an account in my ( XXXX ) name, in order to collect the fraudulent monies. XXXX said he would monitor it and noted that this was fraud. On XX/XX/2021 I received a book of checks from TD bank... so I called XXXX at TD Bank, that day and again on XX/XX/2021 to alert them to this fraudulent activity. I went to their XXXX page to lodge a complaint. I have received NO satisfaction that TD Bank has closed this fraudulent account and taken my name off of it. 
By XX/XX/2021, I have received bank statements from TD bank.. and a credit/debit card. The statements are showing activity, mainly that the FL XXXX has canceled the deposit, and now there are overdraft fees on that account. As of XXXX, 2021, I think there is still a TD Bank account open, fraudulently and using my maiden name and credentials. I have all the documentation. I can not get resolution from TD Bank.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just spent {$29.00} to obtain an updated credit score from Transunion. They processed my credit card and didnt provide me a Transunion Updated Score . Transunion also provided inaccurate score from XXXX. This is not the first time that I pay for Transunion worthless services. 

This company have harmed so many hardworking people they should be punished for all the incorrect information they provide to consumer and lenders. 

Transunion is a dishonest company that sells products that doesnt work, a staff that is unhelpful, and provides incorrect financial data. They have been damaging my credit and reputation posting incorrect financial on my profile since 2019. 

Transunion FAILS to provide accurate data. Transunion FAILS to follow the dispute guidelines. Ttansunion website dispute system also doesnt work, and they fail to timely respond customers. 

CFPB PLEASE PROTECT CUSTOMERS FROM TRANSUNION.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, the date opened is inaccurate. This is ground for removal. They also violated my rights under 15. U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-07-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

On XX/XX/2020 I applied for a home loan with Rocket Mortgage and I was denied because of something called a " Mortgage Credit Score. '' I have never heard of such a thing and I was a Realtor for many years. And I have purchased 4 homes myself, so I'm pretty versed in the loan process. 

I would have never filled out the credit application if they had explained that my credit score ( which was good enough for an FHA Loan according to FHA.GOV ) was meaningless. 

I have painstakingly worked to improve my credit over the last 2.5 years after leaving my ex who ran my credit into the ground. I haven't attempted to run my credit at all until yesterday. I'm still working hard on my credit and I even pay to have it monitored and reported via XXXX XXXX. 

Rocket Mortgage 's application is clearly misleading the applicant. They ask for the applicant to choose a credit score range that best represents their credit score, but they never mention a " Mortgage Credit Score '' which will matter most, not their actual credit score. 

Before filling out the application, I called Rocket Mortgage to make sure they would finance tiny houses with FHA loans. The representative said yes and to apply on their site. So I did. 

I had done my homework by checking with FHA for their minimum credit score and they listed a minimum of 580, never mentioning this " Mortgage Credit Score ''. According to XXXX XXXX, I am in the 600 's. So I was immediately denied. I would not have an issue with them denying me if they had CLEARLY stated in the application that everything is not based on your regular credit score, but a " Mortgage Credit Score ''. This is VERY misleading and they don't even offer you a way to leave a review for them online so I can't alert others to be aware of this. 

This hit to my credit report will now bring my score down. Which may not be anything to them, but it's everything to the consumer.
Consumer complaint received 2020-05-15
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. (WA)

To Whom It May Concern : I disputed a tradeline from XXXX with Experian on XX/XX/2020 that came back verified XX/XX/2020 from Experian. On XX/XX/2020 another letter asking was sent for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Experian failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Since Experian is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Experian failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Experian. 
All supporting documents have been attached
Consumer complaint received 2022-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. I have yet to have received the requested Original Contract, Original Creditor Information, Payment History or Proof of Ownership. There have been several SSN and addresses listed on my credit report that are not mine, this account is linked to one of those fraudulent accounts that has since been investigated and removed from my report. Despite the Fraud alert and update on my credit report, this creditor is still holding inaccurate information on my report.

It is my understanding that under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Consumer complaint received 2022-05-01
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 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
Consumer complaint received 2020-05-14
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: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX, I made a purchase of {$430.00} on my card that involved travel services from XXXX XXXX XXXX. Those travel services were to be used in XXXX but unfortunately due to the ongoing pandemic, services were not received. In XXXX, XXXX, I contacted XXXX asking for a refund. They agreed to refund the full {$430.00} ( emails attached as proof ). I gave them ample time to issue the refund but as it had gone to XXXX without having received the refund, I decided it was time to escalate to my credit card. 

Thus far, American Express has not resolved the dispute. In fact, it appears they are closing my dispute without even bothering to help me on my behalf. Credit card companies ask their customers to follow the proper protocol, which I did, and then don't bother to resolve the issue.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cornerstone Home Lending Inc. (FL)

I just paid off three loans with Cornerstone administered by XXXX. XXXX is IMPOSSIBLE. They refuse to help with anything. I send a message and they basically respond saying, " we don't care. we can't help you '' and they close the case so you can't even respond. 

They reported all of these accounts as CLOSED instead of satisfied. This my credit score dropped 40 point. I have asked them to fix it and they won't even address the issue. 

XXXX SHOULD NOT BE ALLOWED TO ADMINISTER LOANS. They are the worst I have ever dealt with in 40 years of buying properties
Consumer complaint received 2024-10-26
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Five Lakes Law Group PLLC (IL)

I spoke with a sales rep from the company, not sure of date, about debt consolidation. I let him know that I was weary of doing " debt consolidation '' again because I was previously scammed. At the time I signed up with the company I did not have any defaulted credit cards or loans. I was advised to let my credit cards go into default and that I would make payment for 6 months into a savings account that would be used to settle my debt. I was told that after 6 months of on time payments I would be eligible for a loan that would pay off my debt, and I would make one payment to Five Lakes Law Group. After more than six months, I contacted the company and said that I had past my eligibility for a payoff loan and was told " we don't offer that service anymore ''. I pleaded with the reps because I chose the company under this sales pitch, I asked if they could listen to the recorded calls and if they could set me up with someone to resolve the issue. No one was able to help me. I only just now reported to this website because I was told about it through a friend.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Capital One restricted my personal bank account without notifying me about it. When I called I was unable to get anyone, there was an answering service that told me to leave a message with my name, account number, and phone number and they would called if needed in 48 hours. When this didn't happen I called back and had to make a selection on the automated system for something that had nothing to do with my issue in order to speak to someone. When I finally spoke to someone I was told that the account would be closed. I wasn't given a reason verbally or in writing about the incident and had to make a request for it. I was told that a request would be put in. When asked how I would received funds that were still in the account I was not given a straightforward answer. The customer service representative stated that they would allow me to access my funds to take the money out. When I found that this couldn't happen, I called backed and was told that I would receive a check and that the bank would bounce all deposits back. However, the bank still took a deposit after I was told the account was closed, and didn't give me an answer on how I would receive my funds.
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (MO)

Description of Complaint : On XX/XX/2022, I used Zelle, thru my XXXX XXXX Account, to send money to my son. I was in Arizona and he was in Missouri. I had done this many times without problems, using his phone #. Today, however, it failed. I tried a couple more times and it continued to fail.. As my son learned, later, this was due to the fact that his debit card had been compromised and he had a new number and he failed to add the new card to his standalone Zelle app XXXX His current bank, XXXX XXXX XXXX  in XXXX XXXX, XXXX, therefore would not accept the money. On XXXX, I phoned my bank and advised them what was going on. The person I spoke with, a Zelle rep I would assume, told me to use his e-mail address. I told her I did not think he used it anymore. She said " TRY IT ANYWAY. '' I did and she said it went thru, I was good. Of course, it DID NOT work because this was one he had used with a previous bank, XXXX Bank and with a debit card that was no longer any good. His app was with XXXX. HE HAS NEVER RECEIVED THE MONEY. XXXX did an investigation and said everything went thru. Zelle told my son, and sent him a print out, showing all the failed ones, but NO completed transaction. I am so angry that a company can just take your money. there were XXXX FAILED notices for {$400.00} each on XXXX. There were XXXX Failed notices for {$400.00} on XXXX and XXXX for {$450.00} on XXXX. The one in question is Confirmation # XXXX on XXXX for {$400.00}. I was able to send him XXXX and XXXX after he corrected his debit card with XXXX XXXX. We have talked until we have NO talk left. There seems to be no one that has any idea where this money is. Is that how ZELLE stay in business? My phone # is XXXX. XXXX ' is XXXX. XXXX choose not to send bank account info thru this email. Thank you for looking into this problem and helping me/us with a resolution. XXXX
Consumer complaint received 2020-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAROLINA FINANCE, LLC (VA)

In XX/XX/2018 I settled this debt with the company 's attorney XXXX XXXX XXXX ( after I had to file a CFPB complaint against them ). Recently a lender pulled my credit and this account is still showing that I owe money. They are also reporting every month as if I have missed a payment for over 2 years. I attached my email chain with the company stating that the payment was for a settlement in full and also that they received the payment.
Consumer complaint received 2022-11-18
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. (PA)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022, all in which i have sent certified Postage from USPS. I submitted a request to block information on my consumer report as I am a victim of identity theft. This is not a dispute, however CRA has chosen to forgo federal regulation and apply their company policy to treat this as a dispute. I called them and XXXX Department manager stated that their policy supersedes FEDERAL LAW ( which states ( a ) Block A consumer reporting agency shall block the reporting of any information that is on file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by consumer ; and ( 4 ) a statement by the consumer that the information is not information relationg to any transaction by the consumer. I submitted proof of identity theft report from the FTC, the notices of furnishers, My drivers license, The accounts that are fraudulent and also a statement that these accounts needs to be deleted without recourse under federal law.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX I filed a fraud claim with Bank of America. I initially contacted them prior to formally filing the claim and was told to contact the consumer directly in order to resolve the issue much faster as the large amount would make it difficult - I followed Bank of Americas guidance and direction, and the Merchant did not resolve my issue and would never provide any information. Bank of America denied my claim due to their belief that given the time frame from the filing that I should have seen the amount gone from my account- which is correct, but they missed the context. The formal filing was only delayed because they told me to contact the merchant first, so yes, I did not have a fraud claim filed already. They denied my claim and after my explanation they re-opened the claim and took my police report. I have been waiting for a temporary credit at least and have not received that. 

They will not issue a credit since the claim was initially denied. Which seems very odd considering it shouldnt have been rejected based off their reason for denial. They wont respond to any inquiries. They police department and merchant said Bank of America has not contacted them. Nothing is being done.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My issue is with TransUnion 's continued use of two accounts on my credit file. They are XXXX XXXX XXXX and XXXX XXXX. Both of these accounts were reaffirmed in a bankruptcy I filed in XXXX. The derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. It is important to note that XXXX  does not show these accounts! Further, both of these accounts have been closed for quite some time ( XXXX account was closed on XX/XX/XXXX and XXXX XXXX  was closed on XX/XX/XXXX. ) I was NEVER late on either of these accounts! There should not be anything derogatory on my credit file - whatsoever. 
I contacted TransUnion to advise of the situation, and they said there was nothing that they could do. They said it had to do with the " reaffirmation of debt '' status and THAT IT WOULD NEVER BE REMOVED!! This is so ridiculously unfair and has to be illegal!!! They said that I had to dispute with XXXX and XXXX! WHY when they should be removed from credit file - the companies have already reported 100 % on time payments and closed! 
There should not be any negative/derogatory remarks on my credit for a bankruptcy filed over ten years ago!! I want these removed immediately - as per FCRA guidelines.
Consumer complaint received 2022-08-11
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. (CA)

Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX WXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$370.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX