davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
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. (MS)

TransUnion Refuses to Perform Its Obligations Under FCRA 611 ( 5 ) ( A ) ( i ) By Their Refusal to Verify the Five Items of This Dispute As Requested in My Most Recent CFPB Complaint # XXXX
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (LA)

I have been an AMEX client for 20 years. I was on a covid plan where upon without notice, I was thrown into collections. 
I was never late. This is ruining my credit. I have called them to pay this off. I want it out of collections. They will not do this.
Consumer complaint received 2021-06-10
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. (AZ)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true.
Consumer complaint received 2020-09-03
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)

On XX/XX/XXXX I mailed a certified letter to TransUnion disputing a late payment in XX/XX/XXXX that was on my credit file. On XX/XX/XXXX TransUnion mailed me back the investigation results. The results was verified as accurate and updated. The same investigation report changed the date which is also inaccurate. Now it's showing on my credit report that I have a late payment of XX/XX/XXXX. I have proof that I made my late payment on time. I provided a copy of my bank statement showing proof of making my payment on time in XX/XX/XXXX. 

I'm having a difficulty time mailing letter to correct my information on my credit file with TransUnion. They keep changing the late payments to a different date. 

Thank you.
Consumer complaint received 2023-02-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I am in a process of divorce and was awarded the house but unfortunately, it was put on forbearance and now I'm facing foreclosure. I am not on the loan account but on the deed of the property. I started working with Wells Fargo back in XXXX of 2022 to do a loan modification or loan assumption and have been sending them every single piece of paperwork they required from me. Been in contact with them a couple of days a week and they made it sound like they are doing their job. Unfortunately, after months of sending paperwork after paperwork, on XX/XX/2022 they said they will not be able to help me and now I am facing foreclosure. 

During the time I was working with them, I applied to XXXX  Mortgage Assistance in XXXX and a representative from WF confirmed that at that time, the reinstatement amount was below $ XXXX but when XXXX  Mortgage Assistance asked WF to send the reinstatement amount, they sent {$79.00}, XXXX that automatically denied my application. I went to the office of TMA and called XXXX  regarding the amount and WF denied they submitted such an amount. I requested numerous times for WF to send me the itemized amount of what's owed and they never did. I have tried to do everything WF asked of me to save my house and now I am still facing foreclosure. I have found out that they have faced multiple lawsuits regarding their mortgage department and now I understand why. They put me in a loop every time I talk to them and nothing seems to get resolved. They make it sound like they're helping but every time I spoke with someone they have a different answer. I even asked for a higher-up and never got anywhere either.
Consumer complaint received 2020-09-03
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: AMERICAN EXPRESS COMPANY (IL)

I received an email from American Express statingDuring our recent review of your American Express Bluebird Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended.

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team. This has been my account for 5 years they say they closed it because I received a direct deposit in my name from my employer?? Which I've been getting those deposits for 5 years because I work there then they just close it no call mo warning nothing just closed
Consumer complaint received 2022-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I am a part of the haf program and my payments are supposed to be being paid by this program I had to extend my Covid forbearance because the payments from XXXX and XXXX have yet to be posted today is XX/XX/23 so I will basically be going into XXXX  3 months behind
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX  reported a late payment XX/XX/2020 during the coronavirus pandemic when I was told due to my list of employment due to coronavirus my account would be put on hold and not be makes late ...
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.
Consumer complaint received 2022-07-12
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. (MO)

Is it that har for the Credit Bureaus to do their investigation and verify the information the report on my Credit File? The Credit Bureaus had become negligent of their duty and kept ignoring the letters I have been sending to them. The most recent letter I send to the Credit Bureuas was lsat XX/XX/2022, was already my sixth attempt to reach out to the Credit Bureaus, emphasizing the importance of the FCRA section 605b ( c ) ( 1 ) ( c ) Athority to Decline and Rescind. Once again, I have been a victim of Identity Theft and the Items I am disputing does not relate to any transction that I have made or Authorized, therefore, the Credit Bureaus have no right to decline my requests for the removal of the disputed items from my Credit report. If the Credit reporting insist that the items belong to me, I will require all documentation that bears my signature to prove that the alleged items are mine. The Credit Bureaus became lazy and did not comply with the FCRA regulation, thus their action have done negative impact on my Credit report. I have been submitting complaints regarding this matter and I am disputing the fraudulent items once again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$35000.00} XXXX  XXXX XXXX Balance XXXX : {$2600.00}
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX and 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 2022-05-05
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. (TX)

In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  account XXXX has violated my rights. 

USC 15 1681 section 602A States I have the rights to privacy.

USC 15 7681 section 604A section 2 Italso states a consumer reporting agency can not furnish an account without my witten instruction.
Consumer complaint received 2020-09-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Contacted XXXX, since I am not able to get my credit report with them. 

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again XXXX and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, XXXX ( 2 accounts ), XXXX XXXX, Bank of America and XXXX XXXX and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call XXXX one more time and they required one more time to contact my lenders. The problem is that everytime I contact XXXX they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the XXXX Buisness department??.
Consumer complaint received 2022-05-02
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland Credit keeps pulling my credit report without a permissible purpose and failed to validate the debt without any account-level documents. They are pretending to be creditors I have never applied for a line of credit from Midland Credit Management, Midland funding, or Encore capital. I could find an apartment because of midland on my credit report, my husband just died, I have XXXX  kids and I depend on my credit that midland has ruined because they keep pulling my credit reports.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern, I have been trying to work with XXXX in regards to items on my credit report that do not belong to me. They are not being helpful even after multiple attempts to communicate. They refuse to remove a couple items. I have attempted to communicate in XXXX, XXXX, XXXX and XXXX of 2020. They are refusing to assist. 

The following are the items that do not belong to me in which Experian refuses to delete : Capital One Auto Finance # XXXX {$17000.00} XXXX XXXX # XXXX {$290.00}
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

I attempted to use my card on XX/XX/XXXX. It would not work, so I called Comenity to inquire. I was told I requested the card to be closed via secure messaging center in XX/XX/XXXX. I advised the representative that I did not make such request. I was then transferred to a supervisor, who reiterated that the card was closed via request in their website secure message center in XXXX. I advised the supervisor that there was no such message in my outbox. He stated that 'sometimes they get deleted. ' I asked why I had other messages in my outbox from the same time period. He stated 'some of them get deleted. ' I asked him to confirm that the only message he was unable to locate was proof that I asked for my account to be closed, and he said that was correct. He confirmed that the company had no proof of my request the account be closed, yet it was closed anyway.
Consumer complaint received 2021-03-26
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: BBVA FINANCIAL CORPORATION (CA)

I had a credit card with BBVA Compass for approximately 4 years. On XX/XX/20 I moved to a new address and changed my address with my BBVA bank account and credit card at the BBVA Branch in XXXX XXXX, CA. I updated my address on the phone and in the branch a total of 3 times. I did not receive any credit card statements for 3 months. I did not realize a {$1.00} XXXX charge had snowballed due to late fees and penalties as I never received the statements. BBVA had my wrong zip code and they were mailing my statements to the wrong city XXXX XXXX XXXX, Ca ) Subsequently, BBVA charged off my account for {$25.00} to settle this {$1.00} charge. It has negatively affected my credit score due to an error on their end that I tried to correct 3 times. The {$25.00} I paid also not correctly reported on my credit report.
Consumer complaint received 2020-09-03
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: Debt Recovery Solutions, LLC (OH)

Debt recovery solutions refuses to code my debt on my credit report as medical. This is changing the way it effect my credit. I have spoke to them several times and filed a dispute on my credit. No corrective action was taken. I would like to pay the debt. However, I ask that it be properly coded, as medical debt is required to be removed from credit once paid.
Consumer complaint received 2022-05-23
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There have been several FCRA violations FCRA 611 ( 15 U.S.C. 1681I ) You have yet to provide with information I have requested : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (FL)

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (VA)

On XX/XX/22, XXXX XXXX of Lennar Mortgage provided me with a quote for a loan, indicating the property in question, a condo development, XXXX XXXX, located in XXXX, VA, qualified for XXXX loan program. XXXX XXXX is a development built by Lennar Homes. Lennar Mortgage and Lennar homes are both part of the same parent company, Lennar. 

Relying on the quote from XXXX XXXX that such property qualified for XXXX loan programs, separate quotes were obtained from outside lenders. 

During the closing process, it was discovered the condo project in question only had 44 % of the units conveyed to owners or under contract. This requirement meant the project did not qualify for XXXX loan programs. As part of the same company, XXXX XXXX would have known the occupancy and under contract rates of their own development. 

It is my contention that Lennar Mortgage, in combination with its sister company, Lennar Homes, is participating in deceptive lending practices. Specifically, a bait and switch scheme that would leave potential buyers scrambling for financing after being under contract when such XXXX loan programs can not be utilized.