davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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. (MS)

Hi I am submitting this XXXX 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  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-05
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. (MS)

Hi I am submitting this XXXX 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 n 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 XXXX 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 im XXXX now.with no help.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

Hello, I was in a the market to shop for car and they pulled my credit from few different lenders without disclosing it with me. 
I tried to dispute it with XXXX, Experian and XXXX and i did not get a proper respond. I'm very upset that those hard inquires is going to be on my credit repots which I did not allowed it. I would appreciate it if we could get those removed. 

Thank You
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/XXXX my firm wrote out a check to a vendor for approximately {$36000.00}. 

On XX/XX/XXXX it was deposited into an account Truist Bank to an individual who was clearly not the payee. 

In XX/XX/XXXX the vendor notified us that their invoice was still open which prompted us to look up the image on our bank website and see that the check was not deposited by the vendor. 

We immediately alerted our bank and filled out the necessary paperwork and provided a police report. 

Our bank sent the paperwork to Truist Bank who has to this day has not responded to our bank. I called Truist 's fraud department and they told me that if we haven't heard back until now then we will never hear back from them. 

We need to recoup our lost funds asap.
Consumer complaint received 2020-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NH)

I contacted Dovenmuehle mortgage inc, they are the loan servicer on my FHA mortgage, about Covid-19 hardship forbearance at the beginning of XXXX after 2 weeks I had not heard back about the details of the forbearance so I gave them a call on XX/XX/XXXX. I was told that I was already in forbearance as of XX/XX/XXXX and I would only get 3 months of forbearance as opposed to the 6 months guaranteed by the cares act and that my payments would also be due at the end of the 3 months and I would be reported as late for the 3 months as well. When I asked why I couldnt get the 6 months and I could roll the payments to the end of the mortgage I was told that that they were in compliance with all the federal agencies. I also was told I wouldnt have the written details of the foreberance program that I was placed in with out me having a chance to discuss it with them for another 30 days, if I hadnt called I wouldnt have even known I was in foreberance at all. The way this company is handling the situation caused by the global pandemic is unethical and I would like the situation remedied
Consumer complaint received 2022-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MT)

I've been working for non-profits for over 10 years and have dutifully been working with my student loan servicer on PSLF and the temporary PSLF processing. To their credit, over this past weekend they updated my account and four of my 12 student loans are eligible for forgiveness. I'm humbled and grateful. But I have qualifying and eligible months that they haven't acknowledged that could knock out most of my other student loans. My three employers have certified my uninterrupted employment since XXXX The servicer has the completed forms from my employers, and their website acknowledges the past several months as " eligible, qualifying payments '' yet, they still are listed as " requiring employer certification '' when in fact, as I stated, the servicer has the certifications and has already approved many of the months listed on said certifications. It's frustrating that they counted some months of my employment and not others - when all are equally valid and my employment with qualifying non-profits has been uninterrupted. Can not get my servicer to answer the question.
Consumer complaint received 2020-05-18
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. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

US DEP ED XXXX {$34000.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-07-05
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. (MI)

Hello, I have received a copy of my credit report with the intentions of trying to improve my credit report multiple times and take care of myself and my child due to being homeless. I noticed a few accounts that i wanted a little more information on and did not recognize. I am not saying they are reporting right or wrong. I am just saying that i am not 100 % sure if they are. I also read the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to yall. 

Are you familiar with something called 15 U.S.C. 161i ( a )? I read that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 % right and correct. I also saw on the credit site and board where this lawyer said you have 30 days to complete this investigation.

I AM NOT SURE WHY THE CREDIT BUERAUS CAN NOT PROVIDE ANY PROOF OF THE ACCURACIES OF THESE ACCOUNTS BUT WONT DELETE THEM!! THEY ARE NOT CORRECTLY DOING THEIR JOB. 
THE ACCOUNT NAMES ARE AS FOLLOWS. 

1 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX XXXX XXXX BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX. THIS BALANCE WAS DISPUTED SEVERAL TIMES. 

2 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX.BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX XXXXTHIS BALANCE HAS BEEN DISPUTED SEVERAL TIMES. AS I DISPUTED THIS THE BALANCE DECREASED FROM OVER XXXX YET THEY WONT DELETE IT. 

3 ) '' XXXX XXXX XXXX  '' - ORIGINAL CREDITOR WAS ESURANCE AN XXXX XXXX BALANCE WAS XXXX $ .THE BALANCE WAS UPDATED AS ACCURATE ON XXXX XXXX. 

PLEASE HELP ME THIS IS NOT FAIR!! 

In accordance with the " Fair Credit Reporting Act XXXX Account numbers XXXX, has violated my rights. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-07-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TD BANK US HOLDING COMPANY (TX)

I purchased a vehicle XXXX from XXXX XXXX in XXXX Texas banking institution who withdrawals for the loan is TD Auto Finance. VIN : XXXX ***THE ENGINE IS NOT WORKING*** This is after I had the problem worked on three times with XXXX XXXX and they rapped electrical tape around a few wires and charged me XXXX XXXX and something bucks with no actual repair. The vehicle what it has done and kept doing is shutting down on me when I'm driving down the highway to where I got to pullover real quick to the shoulder which is an urgent matter. It could cause an accident since it was properly fixed by XXXX XXXX of XXXX. XXXX XXXX has a personal problem with me and won't buy my truck back so I can go out and purchase another one which I tries on Saturday but truck vehicle popped up on my credit information and that dealer denied me a loan for the a new car. This truck has been setting in the back of my families property after I took it to XXXX XXXX XXXX and they didn't want to fix it either. TD Auto Finance I contacted them several times for a STOP payment request, XXXX XXXX, XXXX XXXX, and still TD Auto Finance kept sending me payment request to collect even after the truck still don't run. I have a photo of the truck and what I would like is it to be repossessed and or my credit repaired to normal so I can purchase a new vehicle. This is bs! Maybe perhaps a small amount back on the truck to put down for another loan on a new vehicle? XXXX XXXX has a bad reputation of scamming people and this is a scam rumors have it that a mechanic inside their shop tapper with my XXXX XXXX XXXX engine to cause it to malfunction like it did! I would NEVER purchase from XXXX XXXX ever again and the management there just laughs at my face and are very unprofessional. These people at XXXX XXXX don't ever need to report anything to my family on a subject like this when I'm XXXX years of age. What does that have to do with fixing my engine and or giving me my money back to go find me another vehicle. I need help, I want this truck out of my life and my credit repaired then a few thousand back to go purchase a new car? Please contact me at XXXX.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX THE FOLLOWING ACCOUNTS ; 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX  have 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 2022-07-05
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 Account Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX and Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) 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 2022-07-05
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX and Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) 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 2020-05-18
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: Experian Information Solutions Inc. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2022-07-05
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. (IL)

I have contacted the company multiple times asking them to delete to verify a bankrutcy which they said it was verified through XXXX XXXX and or the court house I have sent a letter from the court and XXXX XXXX stating that it was deleted or was not verified, and the company still refuse to deleted the bankrutcy after i sent the letters stating the coudnt verify it.
Consumer complaint received 2022-07-05
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. (NY)

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. 

The information being reported is inaccurate and currently being paid. Please see attachment.
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (TX)

XXXX  days ago, a customer send me money through chimeXXXX. I get a text message from this company I received the money. It asked me to registered an account. I did. But their system looks not work for me. I could not login. I called the customer service. a person say I should wait XXXX hours then I should be able to login. I wait XXXX hours and I was still not able to login. I called again. A person said I should get support by email to help me. I wait another day and nothing happen. I send support email my situation with a screen shot video. 

Also I find this company may not have appropriate license to do this business. This looks money transfer business.
Consumer complaint received 2020-06-03
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC (CA)

I was assuming a XXXX  XXXX XXXX lease for 10 months. The lessee was offering an incentive and covering application and processing fees for lease transfer. He paid {$540.00} fee and sent me proof of payment and application link. 

A short while later I submitted my application to BMW financial and was also charged {$540.00}, for double payment. My application was denied minutes later but somehow they were still processing both payments. Why would I pay for tax and licensing This is an illegal business practice and fraudulent based on their contract. 


BMW Financial terms and conditions for Lease assumption, all account must have a minimum of 6 months remaining on the lease. 
- A {$500.00} Assumption Processing Fee, plus any applicable state sales tax, must be paid prior to the submission of the credit application. The payment can be made through the application link below. BMW Financial Services will accept payment in full by one party only. Partial payment will not be accepted from either party. 
- If the assumption is cancelled before completion or if the Transferee ( Applicant ) is not credit approved, BMW Financial Services will retain {$100.00} plus applicable state taxes as a processing fee. The balance of the Assumption Processing Fee will be refunded. 
- A credit application may be submitted only by email from the Transferee to BMW Financial Services.

- The Transferee must be credit approved by BMW Financial Services using the following link : https :  /XXXX   XXXX - The account must be paid current to begin the Assumption Process and must remain current at all times for the assumption to be completed. In addition to the monthly payments, this will include paying all charges billed to the account in addition to the monthly payments such as personal property tax, late charges, parking tickets, administrative fees, and any other charges that are not paid. The XXXX should resolve with the assuming party, any payments or refund of monthly payments made prior to transferring the vehicle. BMW Financial Services will not prorate any payments to either party made on the account.

- The vehicle must remain in the Transferor 's ( current customer 's ) possession and on his or her insurance policy until notice is received by email and / or United States Postal Mail from BMW
Consumer complaint received 2020-05-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

My loan was with XXXX XXXX, whom I also filed a complaint against. XXXX applied my mortgage payment somewhere else and it took them almost a year to resolve and figure out what they did. They sent me a letter regarding the misapplied payment. I received notice that my loan was getting transferred to Shell Point Mortgage and BEGGED XXXX to resolve my payment history prior to selling it. ( Even after a year, they were not showing the applied mortgage payment ). They did not. My first payment letter with Shellpoint showed applied/ unapplied mortgage payment. I couldn't even understand what was going on and I '' m in the mortgage business, but could tell that my missing payment wasn't applied correctly. I IMMEDIATELY sent Shellpoint the  information from XXXX and received notification that Shellpoint was reviewing and looking into it. They have been calling me 5 TIMES A DAY, not leaving a message. I called them to talk to someone and got hung up on after holding for 30 minutes. I do NOT want to be harassed by them and get this many calls when they are supposed to be looking into the information that I sent to them.
Consumer complaint received 2020-05-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.