davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

This started XX/XX/2023, some mobile deposits were made not by me, and they were fraudulent checks. Then withdrawals were made using XXXX XXXX which I don't have I don't even know what that is, and XXXX. I tried and tried, I spoke to the fraud department was told, I needed disputes so I talked to them. I was told that I did this, and took the money. I didn't do this. I wouldn't do this when XXXX weeks later our social Security was going to be deposited. I just want what is rightfully mine.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is my name social security number XXXX please have experian up date my current address on my credit report to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX my address is not showing up on my credit report.
Consumer complaint received 2023-08-11
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. (MI)

TransUnion makes you jump through every hoop imaginable and when you actually finally got bits and pieces of your credit report you can't even get your score. On XXXX XXXX I can only dispute XXXX item and on their own website for TU I can only dispute XXXX thing at a time and they make the process tedious and unmanageable. I can never get my XXXX XXXX and I can never get a full copy of my credit report no matter how many times I ask and how many times I send in picture ID and other evidence of whatever they want. It's constantly a game they play.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Each of the three credit reporting bureaus are allowing written off accounts to be reported as delinquent each month when it is my understanding that as these accounts have been written off, the creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden, as such I do not think this is acceptable practice to allow negative monthly reporting on my consumer credit reports. I have made attempts to contact creditors who were unwilling to disclose account details and/or unable to arrange for payment on the debts, referring me to their legal counsel.
Consumer complaint received 2023-08-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-08-11
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)

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

On XX/XX/2023 I went to XXXX XXXX for an XXXX  XXXX. I was immediately asked for payment before anything was submitted through insurance and presented with a " payment plan ''. I asked repeatedly if this payment plan was a credit card and if it would do an inquiry and report to credit. I was told 5 times it would not. However this is NOT the case. I was lied to by the hospital staff in an attempt to sell a credit card for their own kick back. I filed a complaint and the credit card was immediately canceled, I filed a dispute on the account as I never signed anything nor gave permission for credit reporting or an inquiry to take place. The card was removed from my credit report but the inquiry never was. I recently had to dispute the credit inquiry but the inquiry is denied. I am so distressed over predatory practices from this hospital staff. I specifically said I did not want a credit card nor any inquiries and here we are. I am disgusted and hurt. I will attach my dispute results from Equafax most recently who approved the card being removed but is denying the inquiry. I NEVER signed anything how is this legal????
Consumer complaint received 2023-08-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: REGIONS FINANCIAL CORPORATION (FL)

By the end of XX/XX/2018 I submitted an application for a credit card in response to an offer from REGIONS. 
On XX/XX/2018 Regions sent me a letter in which the bank states that " after carefully reviewing your application, we regret that we are unable to approve your application at this time ''. 
According to that statement key factors that adversely affected my credit score were : 1.- Length of time retail accounts have been established is too short. My average length of time in those accounts is 10 years or more. 
2.- Too few active mortgage accounts. I do not have any mortgage account because my properties ( 3 ) have been paid in full. 
3.-Insufficient prepayment activity on installment accts over the last year. 
4.- Too few recent balance in full payment activities. 
I pay all my balances in full before the due date. 
Never in my life I have been denied a credit card before by any financial institution. 
My credit score is second to none and my FICO score is XXXX. 
I wander if this is a case of XXXX discrimination since I am of XXXX origin.
Consumer complaint received 2024-02-14
Product: Credit reporting 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. (GA)

I have never given Factual Data the Athorization to my XXXX XXXX, this agency is now on my credit report. 
Also XXXX XXXX I have not given then approvel to run my credit.
Consumer complaint received 2023-08-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-24
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. (NY)

Credit reporting agency is reporting fraudulent information on my credit report. 
The credit agency removed a fraudulent address from my report. 
( FRAUD ADDRESS- XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ) ( Correct Address - XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX ) Accounts associated with FRAUDULENT address : XXXX XXXX  XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX   XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-08-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

On XX/XX/18, I received a letter in the mail stating to contact them for assistance through the loss mitigation process. I am current on my mortgage and have never had a late payment. On XX/XX/18, I immediately called the number on the letter. It listed a Single Point of Contact of XXXX XXXX. I spoke with her and she stated that she was no longer servicing my loan. I questioned that because I had just gotten the letter the day before. She basically refused to help me and stated she had to transfer me somewhere else. When she transferred me the phone rang like 25 times and no on answered. I called XXXX back, but she wasn't available, so I transferred to someone else named XXXX, who was knowledgeable and helpful. I explained to her that I did not request loss mitigation and I was current on my mortgage. She reviewed my account and confirmed the same. I asked why I received this letter, she stated that someone made an error. An error!? This is my mortgage and they are sending me letters about loss mitigation when I have never missed a payment or requested that. I have had nothing but problems with this mortgage company since my mortgage was sold by XXXX XXXX to them. They had my personal information all jumbled up in their system, they are calling me at work to get me to refinance, and now they are making errors that I requested loss mitigation, when I didn't request it nor have a ever made a late payment.
Consumer complaint received 2023-08-11
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)

I need to inform you I was the victim of identity theft. I'm disputing this account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX  XXXX
Consumer complaint received 2023-08-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

We started the process to remove my grandson name off our home loan. We were told on XX/XX/XXXX there were XXXX simple steps, which we complied, and then told that was an error on the company part. XXXX we were told we had to full credit qualification, and he had to sell the house to us. We paid the enitre large down payment. Since XXXX XXXX XXXX the company has been processig the assumption. We have turn in all required documents. In XX/XX/XXXX, we were told it was approved, but they were not at liberty to tell us why, but the finalization of the loan could not be processed for another 6 months. And they offerred to return our assumption fee. I feel the company was discremating aganist our age and the company also is in financial distress as shown on the internet, and we should not had to suffer for their financial position. We were not treated fairly and not treated with honesty. There was no other reason for us to get this approved, and have my grandson name removed. This was the only purpose for the assumption. 
I was given names of people in Management that might be able to explain. I left messages, but no return calls I have the large packet of emails they sent and all my documentation. I have all emails and full packet of approved documents
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I wrote a check in the amount of {$1200.00} ( clearly stated numerically as well as written ) and the check cleared the bank for {$1700.00}, {$500.00} more than it should have. I contacted Bank of America around XX/XX/XXXX again on XX/XX/XXXX and again on XX/XX/XXXX. Each time I was instructed by the individual that they could clearly see the error on the banks side in posting the check incorrectly and they could see the incorrect amount was withdrawn from my account. The first time I was given a case number ( XXXX ) and was told it would take 2-3 business days. The second time I was given another case number ( XXXX ) and was told it would take 2-3 business days but was being expedited. The last time I called the associate claimed they were still researching it and were trying to get the funds from the other bank. It is not my error that Bank of America cleared the check for the incorrect amount. They will not give me my money back and as a result I would like to file a complaint against them.
Consumer complaint received 2023-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd (NY)

Transfer wise of company is fraud and closed my account without prior warning and thereby frozen my funds unlawfully rendering me homeless without refunding me. 

Wise closed my account around XX/XX/2023 and I filed an appeal on XX/XX/2023 for me to get a refund and wise has told me over email that they will not refund me. 

Normally when an account is deactivated, the funds inside the account is always refunded to the owner. 

Considering the nature of my need for this money I need wise to refund to my bank account. 

I do not have any dispute in my account and wise is holding my funds unlawfully rendering me homeless. 

To resolve this matter to my satisfaction, I am requesting that wise should refund me my money back now This is very frustrating for a company trusted to hold peoples money to deactivate accounts without warning and also without giving out the money to the owners. 

As a result of this, I have been rendered homeless as I am not able to pay my rent and I sleep at motor parks. 

Since XX/XX/2023 I have been homeless and sleeping on motor parks as I am homeless and my landlord threw my things outside as a result of wise holding the money I wanted using to renew my rent. 

Wise in response said that they may hold my money for 5-20 days, but in this case it is more than 5-20 days since XX/XX/2023. 

I will attach wise response saying they may hold the money for 5-20 days. 

This is very unlawful and I need my refund back. 

I have reported this matter to XXXX XXXX XXXXXXXX, XXXX, XXXX and XXXX XXXX XXXX as this is considered as a fraud. 

I am requesting that wise should uphold this complaint and process my refund to me immediately and also wise should tender an apology to me for the damages caused as a result of this. 


The email associated with my wise is XXXX XXXX
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (VA)

I paid a debt owed to XXXX XXXX  and received a copy of the account balance that showed {$0.00} being owed and Willams and Fudge XXXX XXXX XXXX XXXX XXXX, SC XXXX, refused to take the collection off of my credit despite being told and receiving a copy of the updated account balance. it has been over a week since they were contacted
Consumer complaint received 2023-08-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (IL)

My former mortgage company transferred my mortgage to Shellpoint in XXXX, told me in XXXX. XXXX XXXX applied a grant for {$7000.00} from approved grant from XXXX to XX/XX/XXXX. In XX/XX/XXXX referred me to foreclosure and I filled at least XXXX complaints with the Consumer Financial Protection Bureau for not accepting the ILHAF payment and trying to get my home foreclosed fast. Now my New Mortgage Company, XXXX XXXX, says I owe {$2800.00} for legal fees, maintenance fees and property inspection for XXXX  months in a row from XXXX XXXX. These charges were not on my statement XX/XX/XXXX and now they are from XXXX. Fraudulent charges that should not be there.
Consumer complaint received 2018-07-18
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: Credit Karma (TX)

I went to a XXXX XXXX in 2011 and defaulted on partial loan XXXX XXXX sold the debt to a add company called ad XXXX XXXX XXXX phone number XXXX XXXX have been trying to dispute it and remove it from my credit score due to length of time and they refused to remove has the debt has been paid by said company I feel it should be removed
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MN)

My name is XXXX XXXX formerly XXXX XXXX. I have not been able to access my statements or pay my bill online since XX/XX/2023. Wells Fargo officially took over the XXXX XXXX accounts on XX/XX/2023, but has been in transition since XX/XX/2023. Each month since XXXX, I have been denied access. I have to call and offer my bank account info to customer service. Each month I ask them to help me gain access. I have spoken with Tech support & customer service. I finally spoke with someone who could tell me it was due to my name changing in my divorce. I previously had an account but closed it so my ex couldn't access my funds. The account is still active to the point of recognizing me as a former customer. The Tech agent instructed me to go to the bank branch where I opened the account and show them my Driver 's License to resolve the issue. I went to the branch in XXXX and spoke with an account manager and explained my issue. She opened my account but would not make the adjustment stating that I must first show the document of my name change and my divorce decree. She printed the current statement for me. While there, I complained that I did not receive my statements and when I last called I was over my limit without being notified. She said I could change my preferences when I got online but she would not let that happen. So it seems that anyone can access my account but me. My address, phone number, email address, and, SS # have not changed. Only my last name. My credit card has my current name as does my license. I showed legal documents to get those changed. That should be sufficient. I have returned twice with the documents she requested but there was nobody there that could help me. I told them that my job responsibilities do not coincide with banking hours and they are making this much harder than it should be. They responded by saying they are like doctors and I would make allowances for my doctor so accommodating their hours is my responsibility. I offered to leave the documents they needed but they refused, stating that I had to be present. My license is a legal document that should be sufficient along with the CC, both in my correct name. This is nothing less than bullying.
Consumer complaint received 2023-08-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX