davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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. (VA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX is still showing on my credit report, this account was settled and an old account. It is 7 years old, it is hurting my XXXXredit score and I need it deleted so I can purchase a home for myself and XXXX children.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

In XXXX of 2020 I was put on a trail payment program. I made 3 payments and the bank kept my money. They denied the loan modification and never refunded my payments. Now they want to take away my home. How could they foreclose while collecting and keeping my payments I believe that is illegal. 
See attached proof that payments were received from the bank and their attorney.
Consumer complaint received 2021-06-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

My father passed away on XX/XX/XXXX. I petitioned the court to be named as personal representative, effective XX/XX/XXXX. On XX/XX/XXXX, I called PHH Mortgage to inform them of my dad 's death. They asked that I email them the death certificate, documentation from the court and a written statement outlining our intention for the property ( we intended to sell ). They requested that we email the documentation to : XXXX. I called back one week later on XX/XX/XXXX to inquire if my documents had been received and what the payoff balance of the loan was. After waiting on hold for over 20 minutes, I was rudely told that the processing time to read emails on their end was 15 business days. When I asked to speak to a supervisor, I was told that there was no one available to speak to me. I then asked if I could receive a call when my paperwork had been received, but was told that I would have to call back, wait on hold and then inquire if my information had been received after the 15 day mark. 

I called back two more times ( after the passing of the 15 business days ) and the first time my call was dropped after holding, and then when I called back the call center was closed. The second time I was told that my information was not 'in the system '. On XX/XX/XXXX, I again emailed the documentation to two different email addresses ( XXXX ) and ( XXXX ) for a total of four separate times. I have never received an email or call back from PHH at any point. I also was not able to receive the exact pay off amount on the loan since my initial request on XX/XX/XXXX. 

On XX/XX/XXXX the title company working with me to sell my father 's home alerted me that they did not receive timely responses, including the pay off amount from PHH Mortgage. The title company reached out to me on XX/XX/XXXX and stated that closing could be delayed due to the lack of response from PHH Mortgage. The title company also stated that the experience working with PHH was among the worst of any mortgage company due to their failure to answer questions and provide information in a timely fashion.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for XXXX benefits in XX/XX/2020. I had been waiting for several months to get a ATM debit card and I even walked into the branch to ask for one and I was told I had funds in my account but no physical card. Then there was the government shut down due to the pandemic and no banks were open to walk into. I have called several times and gotten no where except cut off the line when there was going to be a representative answering but no one would be on the other end of the line and i waited 4 hours at a time to talk to a representative. I also have emails and dated letters and even evidence that i have on file with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on record that i continuously attempted to resolve this matter. I have police reports and identity theft affidavits on file with the FTC. I recently won an appeal with the XXXX about my benefits that were never received and i was favored in the appeal and was granted my funds. There were unauthorized charges on my account from a card I never received in XXXX and the ammount I was owed was not there so i filed a claim and now Bank of America froze my account and denied my fraud claim with no explanation and i do not want to deal with this any longer. can someone please help me ... ..???? 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2023-04-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-07-14
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: American Collections Enterprise, Inc. (NC)

RE : XXXX This company has responded to the above claim with the attached documents. These documents in no way show any commitment on my behalf to pay this alleged debt to this creditor. In fact, these documents do not even include the name of the creditor that is alleging this debt and reporting on my consumer report. A logo does not suffice. The documents that this company has sent via USPS do not include any contractual agreement between myself and any of their dbas in any way shape or form, as was admitted in their previous response. This reporting is causing issues with my ability to acquire essentials because of this negative reporting and defamatory remarks on my credit. Again, this company is violating several FCRA laws in addition to my consumer rights by reporting this inaccurate information and refusing to remove it.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

After a thorough review, it has been determined that certain late payment markings on my accounts were inaccurately reported due to an internal error by the bank. I am pleased to convey that the companies have acknowledged this error and have taken corrective measures to address it. Consequently, they have agreed to remove the late payment markings and update the status of this account to " Open/Never Late or Paid/Closed Never late. '' The details of the account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2021-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a discharged bankruptcy ( XXXX ). It is reporting as a negative remark with the credit bureaus. They are also reporting that I have 28 serious delinquent accounts which are the accounts that were included in the bankruptcy. These accounts were never late. When I filed in XXXX each account was paid for the month of XXXX. I feel that this is a misrepresentation of what my credit profile is. I have repeatedly asked the bureaus to tell me which accounts were seriously delinquent and they can not. This is causing me to be denied for credit and is keeping my fico score from increasing. I have sent letter to no avail. I have not had a late payment on anything in 8 years. Please advise as to how I can resolve this situation and stop the bureaus from reporting this inaccurate information. Serious delinquency means I do not pay my bills on time and I do.
Consumer complaint received 2021-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have a discharged bankruptcy ( XXXX ). It is reporting as a negative remark with the credit bureaus. They are also reporting that I have 28 serious delinquent accounts which are the accounts that were included in the bankruptcy. These accounts were never late. When I filed in XXXX each account was paid for the month of XXXX. I feel that this is a misrepresentation of what my credit profile is. I have repeatedly asked the bureaus to tell me which accounts were seriously delinquent and they can not. This is causing me to be denied for credit and is keeping my fico score from increasing. I have sent letter to no avail. I have not had a late payment on anything in 8 years. Please advise as to how I can resolve this situation and stop the bureaus from reporting this inaccurate information. Serious delinquency means I do not pay my bills on time and I do.
Consumer complaint received 2020-10-11
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: EQUIFAX, INC. (TN)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

Since XXXX of 2018, my PSLF payments have not been updated as eligible although my annual certification was faxed to them by my employer. This year, due to a staffing change, I had to upload my own paperwork. While logged in, I noted that 46 payments had been missed/ not marked as eligible although they were. I have not changed employers or positions in that time. I have attempted to contact FedLoan Servicing via their listed email and multiple phone calls. Several times I have waited, stuck in their hold que, for hours. Today was for over XXXX hours. Following the prompt to " press 1 to be called back later '' only redirects you back to the holding que. 

This is incredibly frustrating.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-30
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. (NY)

I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (NC)

this is in reference to another complaint I filled XXXX, messages are included... This number XXXX XXXX continues to call after I have repeatedly told them to not contact me again... I once again contacted the number they gave in the recording XXXX and asked once again for the name and address of the company, but the once again refused and proceeded to tell me they were sending the Sherriff to my home, I said please do and called them scammers because they were not following the laws outlined by the Fair Credit Reporting act...
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX, XXXX, mortage company made unauthorized payment to DC Tax Authority. XX/XX/XXXX, I forwarded via text and email, the letter I received from the tax authority defering my payments to XXXX. They acknowledged receipt and did not forward payment in XXXX of XXXX. However, in XXXX of XXXX, they did not adhere to the Deferral and paid the tax.

I have tried since then, every way available, phone conversation ( s ), email, text, use of their internal database, to give the instructions as to how to have those unauthorized taxes paid, returned to them. I phoned DC Tax Authority to seek instructions as to how to retrieve their unauthorized payment, they gave them to me, and I forwarded it to XXXX. Apparently, they have chosen not to follow instructions. 

Everytime I call them to try and resolve this problem, they seemed to understand the situation, and I was told it was researched and being processed. 

I receive " robo '' calls, since XX/XX/XXXX, and to this day, at a minimum of once a day, and as much as three ( 3 ) time a day harrashing me about a simple matter they have been instructed on how to resolve. 

During the last conversation I had with their representative in their Personal Property Tax Division, ( which should be recorded, as well as all the other calls ) I told her of my fear that XXXX would take the actions, that they have since taken, and posted something with the Credit Reporting Agencies, since it has taken them so long to resolve their problem, and make it mine. She informed me that that would never happen because this was not an issue of a late or non-payment of mortgage, and could not be reported as such by XXXX. 

They have reported me late on my XXXX mortgage and I was not.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (TX)

I AM WRITING YOU THIS LETTER REGARDING THE UTILIZATION OF NAVY FEDERAL CREDIT UNION ACCOUNT # ENDING IN XXXX. 

I HAVE WRITTEN NAVY FEDERAL CREDIT UNION DIRECTLY REGARDING THE REPORT OF MY TRANSACTIONS AND EXPERIENCES REPORTING TO MY XXXX CONSUMER REPORT AND HAVE ASKED THEM TO EITHER DECREASE MY REPORTED TRANSACTIONS AND EXPERIENCES TO 5 % OR REMOVE THE ACCOUNT IN TOTAL FROM MY CONSUMER REPORT AND THEY HAVE WROTE ME BACK STATING THE REPORTED BALANCE IS ACCURATE WHEN THAT IS NOT WHAT I'M REQUESTING. NAVY FEDERAL CREDIT UNION HAS REQUESTED THAT I DISPUTE THIS DIRECTLY WITH XXXX AND CFPB RESOLVE THIS MATTER. 

XXXX AND XXXX HAS ALREADY MADE THE REQUESTED CHANGES FOLLOWING LAWS PASSED BY CONGRESS AND I AM NOW REQUESTING XXXX DO THE SAME. 

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the persons ( NAVY FEDERAL CREDIT UNION ) Making the report is NOT INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ NAVY FEDERAL CREDIT UNION ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
Navy Federal Credit Union is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i )
Consumer complaint received 2024-08-18
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: EQUIFAX, INC. (GA)

Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A debit appeared on my account in the amount of {$100.00} by " XXXX XXXX '' on XX/XX/2021 that I immediately disputed on XX/XX/2021 via a phone call with Bank of America. I then immediately followed up with a letter written to Bank of America Dispute Resolution Service on XXXX/XXXX/201 outlining my phone conversation as well as indicating I am disputing the charge on my California EDD benefits debit card. 

Bank of America issued a letter stating they reviewed my base and concluded the decision was correct. 

Bank of America did not outline how this decision was made and did not provide any back up documents or corroborating evidence the transaction was mine. 

Please be aware. I reside in California and did not make, authorize, approve or request someone else to complete a transaction at a vendor in XXXX, Arizona.