davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-19
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. (FL)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request that the following disputed accounts be completely deleted from my Credit report. Again, I was a victim of identity theft and this is my third CFPB Complaint to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. With accordance with the FCRA section 605b I am looking forward for the removal of the Following account from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6300.00}
Consumer complaint received 2022-09-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Applied for a loan with boa got pre approved then gave over XXXX in earnest deposit. After looking for a month. Never Heard from the loan person except one time to take my appraisal pmt. I thought I was getting document in right but then was giving a problem with the portal. The paperwork person XXXX and I spent one hour on the phone getting it all together the check went green we packed sent out XXXX on our XXXX rental only to be denied in the final hour. I have plenty of emails begging for information. We kept getting conflicting information to the point my husband transfer me to much money then they said I didnt have enough of my own assets. I am just a regular person I work for my money check to check these people have me homeless in a serious bind. I know it is my fault for thinking they would at least help guid me but XXXX XXXX advised me that is not their job and Im am out of XXXX and XXXX for inspection. Please contact me and explain how this is legal. The real estate company suggest I file this and are willing to give all emails. Please help me. We XXXX in rent I thought XXXX is so able. But i am considered a risk? Please contact me.
Consumer complaint received 2022-08-19
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} ; Medical XXXX Balance : {$140.00} ; Medical XXXX Balance : {$230.00} ; Medical XXXX Balance : {$180.00} ; Medical XXXX Balance : {$120.00} ; Medical XXXX Balance : {$150.00} ; Medical XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$550.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2022-08-19
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. (CA)

The particular accounts position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Experian Credit Bureau but they failed to give me any results or feedbacks about this concern. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/2010 Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/2010 Balance : {$0.00}
Consumer complaint received 2022-08-19
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate the account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5400.00}
Consumer complaint received 2022-08-19
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)

I submitted a letter to the XXXX and Transunion Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. XXXXXXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$7900.00}
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 — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (OH)

Hard to cry was poured on my credit report that I did not give permission to do I have tried to resolve this situation for the last couple of weeksAnd it is still happening XXXX XXXX
Consumer complaint received 2023-03-12
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)

The reporting agencies has failed to investigate after providing evidence that are revolving around the accounts and stated that their results for completed thus closing the case. he agencies reported inaccurate information refusing to remove, update, and validate all disputes. Arbitration was filed and that was also ignored. These organizations have refused to reinvestigate any disputes after allowing business organizations to cause significant damage upon my financial report. I sent a letter to the reporting agencies and they refused to respond thus responding 60 days later requesting for the same document they have requested for five years.

They have ignored all correspondence and have provided false, misleading information, misrepresentation, willful negligence intentional tort, violating numerous rights that protect me as a consumer.
Consumer complaint received 2022-05-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX, a payment of {$100.00} was made at Bank of America ATM ( XXXX XXXX XXXX, XXXX, TX XXXX ). Card was put in the terminal however they said that they could not give a receipt for the {$100.00} that was deposited to credit card. They said that the systems was not working properly and they are unable to provide a receipt. They said that she could wait 24 hours for the credit card payment of {$100.00} to appear. She waited 24 hours, and nothing, so she went back to the branch and asked for a receipt. They said that they could not pull it so they were going to open an investigation. Investigation said that the {$100.00} would be issued in XXXX of XXXX. Its now XXXX of XXXX, and the money is still not there. The bank are unable to help because they want a receipt and a receipt was never provided.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital one closed my credit card due to a returned payment for {$30.00} from a banking error where they tried to process a transaction I asked them not to on auto pay. They caused the payment to return and then closed my account when I have always paid it on time. 

I had even sent an additional {$100.00} payment the same day that cleared and went through. I desperately needed to use that money and capital one didn't care about my misfortune. I told them either unlock my credit card after verifying the return payment was just a simple mistake, or it they're gon na close it to refund that {$100.00} I just submitted. I did not sent {$100.00} for them to just close my account and then take that anyways and do nothing for me. 

This needs to be made right. They also lied to me telling me I was over my credit limit when that's not true. I called during this emergency and was granted a {$250.00} credit line increase. They then later claim that I'm over the limit and that nobody authorized any {$250.00} increase when clearly they did because I used it and there were charges reflected on the statement and online accounts. I really don't appreciate the lies or how I was treated by capital one at all.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened a savings account with the XXXX Bank of America branch on XX/XX/XXXX at the advice of a rep who told me the bonus would far exceed any interest I would receive from another bank. The account was funded to the prescribed amount on XX/XX/XXXX. I was to earn a bonus of {$400.00} after 90 days of maintaining the prescribed balance. I did that. When the 90 days had concluded I called Bank of America XXXX and asked why my {$400.00} bonus had not been deposited into my account well beyond the 90 days. She assured me it would be deposited the next week. It was not. I called again the week of XX/XX/XXXX and was told XXXX, the assistant branch manager was putting in the request for the bonus to be applied. It could take 7-10 days until it was deposited. Why would someone have to request the bonus. That should be automatic upon fulfillment of the agreement. No deposit. I called again on XX/XX/XXXX many times. No one answered many times. Finally one person answered, I explained the situation and she XXXX transferred me to BOAs XXXX number. I called again XX/XX/XXXX, no one answered the phone. What kind of business doesnt answer their phones? I made an appointment at XXXX to speak to XXXX XXXX XXXX Incidentally, she was the person who opened my account initially and to whom I spoke the first time about the bonus. ( It was XXXX who told me it would be there the next week. ) Upon arriving at the bank and explaining the situation to XXXX XXXX, she disappeared into the back office. When she returned she told me told XXXX was at lunch and the manger with whom she spoke to said the funds would not be deposited for 30 days. It has been more than 120 days since I opened the account. After leaving the bank I received a notice that I had cancelled my appointment. That is NOT true. See below. 

Friday XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX Other XXXX Cancelled XXXX appointment XXXX XXXX on XX/XX/XXXX XXXX XXXX pm XXXX at XXXX XXXX XXXX XXXX NJ XXXX The issue here is obviously the {$400.00} bonus I am to receive. I can not close my account until the bonus has been deposited or I will NOT receive the bonus. I am not even earning {$1.00} a month interest on this account. I have to close the account and open one elsewhere so I am able to earn interest. This is part of my income in addition to social security. 

Bank of America has been untruthful on XXXX separate occasions. This is unconscionable. I want the {$400.00} bonus and interest I would have earned after the XXXX fulfillment of my agreement. 

Thank you in advance for your assistance in this matter. Please confirm receipt of this complaint. 

Best regards,
Consumer complaint received 2022-09-13
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Collection agency XXXX XXXX is appearing on my credit report. They are alleging I owe XXXX  XXXX XXXX XXXX {$150.00} but I have proof directly from the company that there is a {$0.00} balance on my account and no bills are owed at this time. 

I informed Trans Union to whom I pay for their credit monitoring services that I was unable to upload my supporting documentation and the only recourse they had was to initiate a dispute. The address and telephone number for XXXX XXXX was not listed on my credit report, neither was the alleged original date of delinquency.
Consumer complaint received 2022-06-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriHome Mortgage Company, LLC (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERIHOME MORTGAGE COMPANY for committing identity theft. I have never given AMERIHOME MORTGAGE COMPANY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until AMERIHOME MORTGAGE COMPANY can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERIHOME MORTGAGE COMPANY continues its collections efforts, I will file for litigation for actual damages caused and AMERIHOME MORTGAGE COMPANY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # xxxxxxxxx XXXX.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

In XX/XX/2022, I applied for an SBA loan to rebuild a barn destroyed by a tornado. In XX/XX/2022, the SBA told me that I would have to lift a freeze placed on my Experian credit report. 
I repeatedly tried to access my Experian account over their phone system to lift the freeze but Experian said they did not recognize my email address. This is the only email address I have used. 
After repeated phone calls and attempts to set up a new account ( using the same email address ), I followed their robotic advice to send a letter to them to reset the user name and password. I sent this on XX/XX/2022, including a copy of my drivers license and a utility bill as instructed. 
On XX/XX/2022, the SBA informed me that my loan application had been withdrawn because I had not been able to lift the freeze. I tried to get the SBA to use one of the other credit bureaus but they said it had to be Experian. 
On XX/XX/2022, I received a letter from Experian that told me to remove the freeze online, which was what I had been attempting to do numerous times. I was expecting instructions on how to reset the user name and/or password but I got a useless form letter. 
On XX/XX/2022, I kept trying different Experian phone numbers in an attempt to talk to a representative. I finally got through and the Experian representative told me that the account was flagged as inactive. I requested it to be re-activated and she told me that their procedures wouldn't allow that. I asked what I should do and she first tried to tell me to send a letter ( with drivers license and utility bill ) to Experian and I said no, I had already done that and received a useless response. She then told me to start a new account with a different email address. I said I couldn't do that because the loan application included my email address and using a different email address would kick out the loan application. When I asked to speak to a supervisor, I was told that no one was available but that it would be escalated and I would receive a call back within 1-2 days. 
I have had no response from Experian and I am extremely frustrated. My loan is on hold because Experian can not correct my account. I don't know why Experian can not correct the status of my account, especially after I provided a written letter with all of the information they requested. 
Thank you