davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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. (NY)

GOOD DAY, I HAVE BEEN ATTEMPTING ON SEVERAL OCCASIONS TO RECTIFY THE FOLLOWING INFORMATION FROM MY CREDIT REPORT : XXXX XXXX. 
THIS ACCOUNT IS REPORTING INACCURATELY WITH EXPERIAN, I CAN NOT HESITATE ON THE AMOUNT OF TIMES I HAVE REQUESTED FOR EXPERIAN TO GET RID OF THE LATE PAYMENT. I HAVE ALWAYS BEEN ON TIME WITH ALL OF MY PAYMENTS AND NEVER HAVE I GONE A DAY LATE ON THEM EITHER. THE PREVIOUS MOMENT I'VE TRIED TO DISPUTE THIS ACCOUNT WAS IN XXXX OF THIS YEAR ( 2021 ). PLEASE HELP RECTIFY, REMOVE OR OVERALL REPAIR THE NEGATIVE HISTORY ON MY REPORT WITH EXPERIAN. THIS IS AGITATING THE OVERALL STATE OF HEALTH OF MY CREDIT AND NOTHING HAS BEEN DONE BY THEM IN THIS CASE, THANK YOU FOR YOUR ASSISTANCE.
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (PA)

XXXX XXXX XXXX sent debt management proposal in XX/XX/XXXX and it was accepted by XXXX XXXX and XXXX has made consistent monthly payments on my behalf. I found that late fees were being still charged and interest rate had not been reduced. I alerted XXXX who contacted XXXX XXXX and faxed proposal again in XX/XX/XXXX. Late fees were waived but then they began to reappear and XXXX XXXX stated an XXXX payment was missed though XXXX faxed the cashed check they had sent to XXXX XXXX. After proposal was faxed multiple times as confirmed by XXXX most recent call on XX/XX/XXXX XXXX claims they still have received no proposal and continue to add fees and interest.
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: EQUIFAX, INC. (MO)

I am a single mom and I dont make a lot of money, I have the right to privacy In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consum
er reporting agency can not furnish a account without my written instructions Thank you very much
Consumer complaint received 2021-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NH)

Td bank keeps charging over draft of XXXX.i reach out to them and no help.they have charged me up to XXXX for over draft.and I haven't used my checking account since the XXXX of XXXX Now they have me up to XXXX .charging me over and over
Consumer complaint received 2022-09-21
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 discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reported items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXA Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-12
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. (OH)

I have 2 separate incidents. Both involving XXXX. 1st incident I applied for a credit card and was denied. On the denial form the credit card company stated that they used my XXXX credit score to make their decision, and the credit score they were provided by XXXX was an inaccurate XXXX  credit score. The score they provided was a XXXX and listed as my XXXX credit score, which was actually a XXXX, so they reported a inaccurate credit score XXXX less than my true XXXX  credit score. They provided a lower inaccurate credit score and that lower score caused me to be denied credit from XXXX XXXXThen the 2nd incident I applied for a auto refinance and was denied. The reason for denial was that they said I had a credit freeze, which is not true. So now I'm stuck with 2 hard inquiries. Also on the auto refinance the website states there wouldn't be a hard inquiry since they just needed basic info to connect me to a lender, yet they did a hard inquiry anyways. I would've never submitted my info if I knew they would do a hard inquiry. On my credit report that inquiry that i did not approve is listed as XXXX. The other incident is listed as XXXX XXXX on my credit report. I contacted XXXX  and told them the information they provided to XXXX  XXXX was inaccurate which resulted in me being denied credit.
Consumer complaint received 2024-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Lennar Financial Services, LLC (TX)

XXXX XXXX, of Lennar Mortgage, has blocked authorization of the loan needed for my purchase of a new home because I am XXXX XXXX. First, I was encouraged to do all of the documentation necessary in order to process the loan and purchase the home by XXXX XXXX. But once a copy of my drivers license was submitted to XXXX XXXX, all road blocks have been put in place to deny me the loan to purchase the home. XXXX XXXX has even gone so far as to hack into my email in order to corrupt a document that I sent to him in order to comply with the documentation requirements. After XXXX XXXX explained to me his experience with the U.S. Veterans Administrations access to documents, he hacked into my email in order to corrupt a a VA statement of a paid debt document ( it appears to now be encrypted ) in order to cover up his discrimination. I have made demand to Lennar Mortgage to return the {$850.00} earnest money submitted to Lennar Mortgage to set the home aside for my purchase. I have asked repeatedly for my money back, but to no avail. XXXX XXXX, acting on behalf of Lennar Mortgage, has refused to complete the purchase process for the home, and refused to return my earnest money because I am XXXX XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
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 — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (CA)

American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.
Consumer complaint received 2022-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY RESOURCES, INCORPORATED (OH)

I have told the mortgagee company many times that I am no longer in Bankruptcy. Ive called multiple times. My Bankruptcy was voluntarily dismissed in XX/XX/XXXX. The mortgage company will not acknowledge this and continues to prevent me from logging online to pay my account, view my balance etc. Im making payments to avoid collection ; however, I just received a notice XX/XX/XXXX stating my loan is in default because I havent made a payment since XX/XX/XXXX. However, I receive statements each month with my payment showing being made. They need to update my loan and take me out of bankruptcy.
Consumer complaint received 2022-11-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

PMI was removed from my account on XX/XX/2022. An escrow analysis was run on XX/XX/2022. This analysis took into account pmi. I no longer have pmi yet they are escrowing as if there is still pmi as well as collecting a shortage. I asked them to run a new escrow analysis and they have refused. They will collect more than {$3600.00} in escrow over the next 12 months. My taxes and insurance are less than {$1800.00}. Collecting this amount is almost twice what is needed to cover my taxes and insurance. I called on both XX/XX/XXXX and XXXX and got the same response. In Maryland and escrow account is not mandatory. On XX/XX/XXXX I advised them I no longer wish to have an escrow account, I can pay my taxes and insurance my self. I was told they would have to see if they could do that and they would get back to me by letter and it should take about 5 days.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed and constantly have anxiety attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurute information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2022-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (MI)

Misapplication of a payment led to charge-off of my account XXXX held by WF. Documentation indicating the misapplication of payments is attached. Since the payments were scheduled and confirmed to be debited and or returned by automated systems, the only way for payments to have been applied contrary to the manner they were scheduled is due to manual intervention. So, while XXXX XXXX XXXX may " reject '' or, lets face it, deny that Wells Fargo did what I've explained here, the documentation proves otherwise. To date Wells Fargo has not provided any information or explanation for tthis misapplication. That misapplication has harmed me because WF has supplied negative payment history as a result of the misapplication eventually leading the account to be charged-off.
Consumer complaint received 2022-09-21
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)

I have reached out to the company, I sent a FTC fraud report, police report and all supporting documents to have these incorrect accounts removed but it is still reflecting on my account. This company is ignoring my attempts and documents that have been sent. 

This has caused me a great amount of stress and depress. 

Incorrect / fraudulent accounts : 1.XXXX XXXX 2 XXXX XXXX XXXX  3. XXXX XXXX
Consumer complaint received 2022-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

I spoke to a rep to request a refund for my loan payments that were made during covid. There was no confirmation email to confirm that the request has been submitted and only to take their word for it. Also the time frame for this request to get processed is absurdly longer than that of other loan service providers. Why is the wait almost half a year to process when others can get it done within a month or two. I know I'm not the only one with this issue. I'm also not sure if they put in the correct amount for the refund as that was not really confirmed with me when I spoke to the rep.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I paid a balance of XXXX to XXXX Synchrony Bank. This was before the due date of XX/XX/XXXX. I checked my credit report and my score was brought down by 12-14 points for a balance that I had paid in full before the due date. I received emails from XXXX saying that my payment had been returned, but yet my account shows that my balance has been paid in full. Other customers are encountering problems like this with XXXX synchrony Bank.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

Dear Sir/Madam, I am writing to formally file a complaint regarding a fraudulent transaction that occurred on my Wells Fargo debit card account. Below are the details of the incident : On XX/XX/year>, an amount of {$1700.00} was withdrawn from my account under the name XXXX XXXX, linked to a purchase authorized on XX/XX/year>, by XXXX. This transaction took place despite the fact that Wells Fargo had canceled my account XXXX weeks prior due to ongoing fraudulent activity. 
Upon noticing this unauthorized withdrawal, I immediately contacted the Wells Fargo Fraud Department. Initially, the bank credited the amount of {$1700.00} back to my account. However, on XX/XX/year>, the bank deducted the amount again, stating that they had not found sufficient evidence to deem the transaction fraudulent. 
When I sought clarification from Wells Fargo, I received no satisfactory response to the following critical questions : 1. How was the withdrawal of {$1700.00} allowed on an account that had already been canceled due to fraud?

2. Why was I not informed or consulted before this transaction was authorized?

3. How was an international transaction authorized without my explicit consent or coordination? 
Despite my repeated attempts to resolve this issuethrough multiple calls to XXXX XXXX customer service and in-person visits to their branchesI have not received any meaningful assistance. Instead, I was advised to contact XXXX XXXX directly to recover my funds, which I did that but XXXX XXXX  customer service told me they dont have any information under the my name or my debit card, which is impractical as this was a fraudulent transaction. 
This incident has caused significant financial and emotional distress. I am seeking assistance from the internet crime Complaint center to : 1. Investigate this fraudulent transaction and determine how such activity was allowed to occur.

2. Address any potential negligence by the bank in handling this case.

3. Pursue the perpetrators of this fraud to ensure justice is served.

Attached to this letter are copies of relevant documents, including bank statements showing the unauthorized withdrawal, communication records with Wells Fargo, and any other evidence I could gather regarding the incident. 

I kindly request that you initiate an investigation into this matter at the earliest possible opportunity. Please let me know if any additional information or documentation is required to proceed.
Consumer complaint received 2023-05-21
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: Rocket Mortgage, LLC (ND)

Credit was pulled without my permission on XXXX XX/XX/2023. Employee/loan expert did not ask when he pulled credit. Now I have more inquiries than I was supposed to. Effecting my score. XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MACY'S/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

MACY'S/DSNB XXXX Balance {$910.00}