davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
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. (FL)

I have contacted each credit bureau ( XXXX, XXXX, and XXXX ) in reference to the three accounts that are listed on my credit report from Department of Education. My credit report from all three bureaus are reporting lates for XXXX, XXXX, XXXX, and XXXX of XXXX. I have disputed with each bureau stating the information is inaccurate.Today, XX/XX/XXXX, I call the number to XXXX XXXX XXXX listed on my credit report. I spoke with a representative that stated, the number on my credit report is the true furnisher which is XXXX. XXXX XXXX servicer reports to XXXX XXXX XXXX in turns reports to the credit bureau. The young lady stated she is a customer service rep from XXXX XXXX XXXX. She explained the accounts that are reporting on my credit report are : ( 1 ) Dept of Education in the amount of {$1900.00}, ( 2 ) Dept of Education in the amount of {$3600.00}, ( XXXX XXXX Dept of Education in the amount of {$5100.00} are all under one account and the furnisher again is not Dept of Education, but is XXXX. For the purpose of accounts for the consumer it is listed as separate accounts on the credit report. The representative stated, there is NO reporting of any notes on the account that reference anyone calling from either credit bureau to verify information on these accounts. Also, the representative from XXXX advised " if on your credit report is reporting from each bureau stating the furnisher has verify information you reported is accurate, this is false information. This can not be true because looking at your account, there is no data information, no files, or documents for XXXX ; therefore, neither one of the credit bureau could have verified the lates. '' According to 15 U.S. Code 1692g ( a ) in the section of the Fair Debt Collection Practices Act ( FDCPA ), Dept of Education was not able to validate any documents for the student loan account in XXXX. This is questionable as to why XXXX, TransUnion, and XXXX would state under their investigation that the information disputed has been verified as accurate when there is not documents/files to verify for XXXX? This is a violation as the investigation was not done thoroughly but by an auto system that uses software to gather information. This is defamation of character and a violation of the Fair Credit Reporting ACT. Again, XXXX, TransUnion and XXXX have violated 15 U.S. Code 1681i ( a ) ( 5 ) : which this part of the FCRA specifies that if, after an investigation, the information is found to be inaccurate or can not be verified, it must be deleted from the credit report.
Consumer complaint received 2017-09-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (SC)

My realtor and I have been trying to work with Chase Mortgage to sell my home for over a year with no resolution. I am an XXXX XXXX XXXX XXXX attempting to sell my home in XXXX, GA and received approval from Chase mortgage to proceed with a short sale. My realtor secured a buyer that was fully qualified to purchase the home ; however, XXXX made the process extremely difficult. They often missed critical timelines which caused issues with HUD, VA, and the home appraisal. Because my file changed handlers every XXXX days, it was always in review, which further slowed the process. My realtor and I filed numerous grievances with the Chase Mortgage escalations department, which had no impact on the handling of my file. Ironically, each complaint was met with acknowledgement that there are systemic issues in the short sale department due to incompetence and inexperience. After XXXX months, XXXX gave my realtor verbal approval to complete closing on my home ; however, XXXX did not disclose that the approval was for a " dry closing '' and that approval for the final closing was still pending. Acting on my behalf with a legal and valid power of attorney, my realtor, the real estate lawyer and the buyer 's realtor signed all of necessary paperwork during the closing process fully unaware that XXXX was still reviewing the paperwork. Unfortunately, the buy was not able to receive the keys to the home. A week has passed since the " dry closing '' and XXXX has not yet approved an official closing. As a result of this, the buyer has decided not to purchase the home, and is fully within his rights to back out of the closing. I reached out to the Mortgage escalations department to inform them that the buyer is backing out of the sale, and to get an update on my most recent grievance. They could not provide any updated information. Because I am no longer stationed in Georgia, owning this home has placed a financial burden on me. The home has depreciated significantly therefore a short sale seemed to be the best option ; however, neither my realtor nor I could have anticipated Chase mortgage being detrimental to the process. As an XXXX XXXX service member, I am attempting to save my XXXX loan benefit and avoid foreclosure at all costs. I am completely unsure what to do in this situation.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until XXXX 's update my credit report or send the letter so I can provide that to my lender for a Rapid rescore. 
I 've also disputed this account, after the account was settled XXXX 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called XXXX 's more than 4 times a week for the last 6 weeks with no resolution.
Consumer complaint received 2017-09-15
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. (NY)

I had Experian investigate XXXX XXXX during a dispute on my credit report. They came back and verified the debt..I had paid a settlement and XXXX considered account to be paid and closed..Experian decided to keep displaying the account on my credit. I recently contacted XXXX  XXXX VIA Chat on their website. I asked specifially what I could do to get the information off my credit. I was told by the XXXX representative that they did n't have my account in their system. They could n't find it ... Therefore they could n't verify the account.the XXXX account is XXXX..It appears 2x
Consumer complaint received 2017-09-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITY NATIONAL BANK (CA)

I have had an issue with City National Bank the past 2 months with not applying my payments in a timely fashion, and charging me late fees on 2 loans that I have with them. I have had these loans with them for 8-10 years, and have been consistent on payments for all this time, and suddenly they are being very difficult on the payments and not applying in a timely fashion. I have sent these payments on the XX/XX/XXXX-XX/XX/XXXX of the months consistently the same way since the inception of these loans, and suddenly it is not proper and fees are being charged. I can not continue to be charged these fees, and want to know why this is happening. I have contacted the relationship officer on these loans, XXXX XXXX, and he just says that it is the postal service and my fault, yet I sent a payment this month on the XX/XX/XXXXwith a holiday in between, and they posted it on the XX/XX/XXXX, which makes no sense since they take a week or more on the other payments posted late. I explained that I am paying in a reasonable fashion, but they keep blaming me and the postal service, but yet they are inconsistent on applying the payments. It does not seem fair to assess late fees on a long time customer that is paying the payments in a reasonable period.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2017-09-14
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: EQUIFAX, INC. (MA)

About a week ago, Equifax was obviously hacked, and all sorts of personal information was divulged. As a result, I have been forced to jump through hoops in my busy schedule in an effort to ensure that I am safe from potential harm. At this current time, it appears as though I am safe, but it still has caused me quite a bit of worrying as I try to check all my bases on the matter.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Accounts Service, Inc. (Indiana) (MO)

Was contacted on XXXX XXXX @ XXXX CST &  XXXX XXXX @ XXXX CST. 
Has not given me an amount owed. 

This company has contacted me now twice regarding a debt. I 've spoken to their manager XXXX & asked both times for a validation of the debt. Both times I was spoken to extremely rudely, called a " XXXX XXXX '', told it 's my job to call the original creditor to validate, was told they are in a " process ''. When I asked what this process was, like court? I was told that no, not court, just a process. 
I told them that under law, they have to give me verification of the debt within 5 days. Was then told that I 've owed this debt since XX/XX/XXXX, that I 'm a " XXXX debtor who never paid my bills ''. I informed them that my identity was stolen & that I have never had a credit card with the company they 're " colleting '' for. Was told by first debt collector that they have a copy of my credit report & that I owe everyone. I also told them that the statute of limitations had expired after 5 years ( Missouri law regarding credit card debt ), I have zero clue who the original creditor was, and that I need validation. All this XXXX person does is over talk & try to use scare tactics without giving me any proof what so ever. 
I just called them to inquire about their mailing address & they refused to give it to me & were again, extremely abusive. 

They are also calling my boyfriend 's cell phone ( not my number ) even though I 've told them that was not my number & to stop calling him. 

This company is scamming people & trying to collect on extremely old debts that they 're refusing to verify.
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bread Financial Holdings, Inc. (DC)

XXXX XXXX XXXX debited my checking account on XX/XX/2018 for {$160.00}. It stated that this was done via telephone. I did not authorized this payment. I notified my bank and they are looking into this matter as well. I tried calling XXXX and they gave me the run around.
Consumer complaint received 2016-09-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The XXXX determined that I was wronged by Bank of america, the settlement was that bank of america NA would submit documents too the XXXX credit bureaus to repair my credit and reduce amount owed. They were to remove all legal fee 's and other fees associated with my mortgage. They did not comply causing me serious difficulty in purchasing a vehicle and refinancing my home loan. They instead sold my loan to XXXX XXXX and pretty much left me with bad credit and a payment of XXXX per month.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

I am a XXXX and bought a duplex XX/XX/XXXX in the state ofGeorgia. Wells Fargo has been the mortgage holder from Day 1. Because my down payment was less that XXXX % at the time, PMI was set at $ XXXX/month. I had no problem with PMI at the time. I have consistently paid my mortgage and in a timely manner. I have even paid down my principal consistently over the last 12 years since this property has been such a cash flow machine.The property is now valued at $ XXXX- $ XXXX ( based on recent resale comps, XXXX and other valuation websites etc ) and my loan balance is now at $ XXXX. This puts my LTV ratio somewhere in the XXXX % to XXXX % range. On my mortgage statement from Wells Fargo ... ... they list my XXXX ratio at ~ XXXX % and says that PMI will be discontinued in XX/XX/XXXX when the LTV ratio according to their projection will be at XXXX % ( that 's almost 28 more months of paying PMI of $ XXXX/mth ) ). I have tried on numerous occasions to get Wells Fargo to drop the PMI of $ XXXX/monthly ... ... ( because of the increasing value of real estate across the US since the Great Recession of XX/XX/XXXX-XX/XX/XXXX ) ... .however to no avail. Wells Fargo mortgage staff ca n't seem to give me a proper explanation. THIS IS AN OUTRAGE!!!!! ... .and in light of the recent UNSCRUPULOUS practices discovered at this bank, I believe that WELLS FARGO BANK has intentionally NOT updated their customers ' real estate mortgage portfolio values to reflect increasing values in order force numerous homeowners and real estate investors to keep the paying the monthly PMI for years after their they have reached an LTV ratio of XXXX %. THIS NEEDS TO BE INVESTIGATED, SINCE I AM SURE THAT I AM NOT THE ONLY ONE ( HOMEOWER OR INVESTOR ) AFFECTED BY THIS FORCED PMI PAYMENT BY WELLS FARGO BANK. IT IS A RIP OFF AND A SCAM!!!!!!! AND IS PROBABLY WORTH BILLIONS OF $ $ $ $ $ OF PROFITS TO THIS BIG GREEDY BANK AND THEIR UNSCRUPULOUS EXECS.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute multiple inquiries on my credit report. I have previously submitted a dispute by mail, including a Federal Trade Commission ( FTC ) report regarding these inquiries ; however, they still remain on my credit file. I believe these inquiries are fraudulent and unauthorized, as I have no knowledge of any dealings that would warrant them. Given these circumstances, I request an urgent investigation into this matter and the removal of these inquiries from my credit report. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (MT)

I called XXXX today ( X/XX/17 ) to place an initial 90 day fraud alert on my credit. Many people are taking advantage of this service following the recent Equifax hacks, and many more should be. This fraud alert is a free service that notifies you when someone tries to pull your credit info anytime in the next 90 days. The credit reporting service you call is apparently legally required to offer this and make sure that the other two services follow suit. 

Before you have the option to actually have your fraud alert set up, you need to decline two detailed pitches for their premier $ XXXX/mo credit monitoring service. This premier service they are describing sounds a XXXX of a lot like the free service they know you are calling about. The difference between these services was obvious to me but it may not be obvious to others, especially if they are panicked trying to protect their information. I understand a company exists to make money, but this is n't your typical company- these people control your most important, valuable and private information and you have no say in the matter. After a huge data breach from Equifax, these guys are trying to hawk some premier paid service to people who are taking proactive steps to protect their information before this happens again to the other two services. It may not be illegal but in my opinion it 's shady and blurs the line between service and profit. I would like to see XXXX offering this service elsewhere, not as a roadblock in front of this critical free service needed to protect your identity.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Trying to do a credit freeze on all the credit reporting agencies due to the Equifax fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the  Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XXXX. 

Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2017-09-15
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. (OH)

XXXX XXXX, 2017 submitted disputes to XXXX XXXX and Experian - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.