davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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. (PA)

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2018-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BB&T CORPORATION (NC)

On XX/XX/XXXX I sent {$900.00} to my brother-in-law from my checking account with BB & T using XXXX. He immediately received a notification from his bank, XXXX XXXX XXXXXXXX, about the money. On XX/XX/XXXX I sent {$550.00} and again he got a notification from XXXX XXXX  XXXX. We tried to download the XXXX app on my b-in-law 's behalf but got a reply of " alias duplicate registration ' '' several times. I called XXXX. Their Customer Service told me that I had to check with my bank so I called BB & T. The response I got was not to worry, that if he didn't claim the money, it would return to my account after 14 business. Meanwhile, we called XXXX XXXX XXXX, who turned us back to XXXX, and XXXX to BB & T. 
After several days of waiting, probably more than 10, XXXX XXXX XXXX mentioned that the phone number I used, and my brother in law got it from XXXX in XX/XX/XXXX, had previously been used by a customer who had an account with XXXX XXXX XXXXXXXX, to receive money thru XXXX. I inquired about the name and they said they couldn't provide because of privacy laws. I demanded that BB & T started an investigation. On the phone they said they couldn't do anything to help me. The woman who I spoke to tried to say that if I mistyped the phone # or the name, it's my responsibility. However, that's not the case, both are correct. The banks claim they can't release the name because of privacy laws but XXXX XXXX  XXXX failed to verify that the name of the payee was not who I sent the monies to. BB & Tsent me a form with some questions to answer. It arrived very late so I brought it in person to a manager at  the BB & T branch in XXXX NC. He notarized my signature and took the letter to send with their internal mail. But nothing else was informed. 
I don't want to be left in the middle. If BB & T endorses XXXX for money transfers, which they do in their literature and as a big slap in my face ... When I called and was on hold for more than 30 min, all I heard over and over, was how secure and fast and this and that XXXX is. But there was obviously a big flaw in safely transferring your money. 
I DEMAND THAT BB & T, XXXX AND XXXX XXXX XXXXXXXX, RETURN MY {$1400.00} IMMEDIATELY.
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rauch-Milliken International, Inc. (CA)

I was contacted by debt collector, Rauch-Milliken International ( RMI ), Inc. in XX/XX/XXXX regarding a disputed account. I asked my attorney to respond on my behalf. On XX/XX/XXXX, my attorney responded on my behalf. RMI did not respond to my attorney 's letter. 
On XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX, a representative from RMI called and left a voicemail regarding the same issue. Furthermore, I received a letter from RMI dated XX/XX/XXXX. The letter threatened, " to avoid the possibility of asset attachment, including the seizure of ALL bank accounts, inventory, accounts receivable, etc., please contact this office immediately '' ( capitalized for emphasis ). 
I believe it is improper for RMI to be contacting me directly when I am represented by my attorney. RMI never responded to my attorney 's letter dated XX/XX/XXXX. This direct communication is an attempt to bypass my counsel and to intimidate me into settling the issue.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citi promised me XXXX XXXX XXXX miles for opening a new checking account, spending {$750.00} in the first three months, and making bill payments in two consecutive months. They said the rewards would post within two billing cycles. It has now been two billing cycles, and the rewards have not yet posted, despite me meeting the requirements.
Consumer complaint received 2024-10-28
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

I have reached out and placed disputes with each of the 3 credit bureaus on multiple times in regards to an incorrect bankruptcy date listed on my credit report. the date listed is XX/XX/XXXX, the correct date is XX/XX/XXXX. I was asked to send documentation showing what should be the correct date. I sent that information immediately showing the XXXX District of Wisconsin bankruptcy court, confirmation information, creditors names, amount owed, monthly payment amount, and lawyer information. XXXX  reviewed the information and immediately removed the bankruptcy from my report. I reached back out to XXXX and Experian asking why this information is still listed inaccurately on my reports, I have been continuously been told the information will remain on my report for 7 years. I explained not only is the date incorrect, we are past the 7 year period so this should not be reporting on my report at all. I have reached out to the bankruptcy court asking what information they are reporting on my report. The manager XXXX stated they are not in the practice of reporting bankruptcy information to either of the bureau 's. The information is entered into a public system and the bureaus pull info from there. I asked can my personal information be corrected and he said once a bankruptcy is discharged there is nothing the courts can do to correct the information. I also asked I the information manually entered and he said yes, there is a possibility there could have been an error entering my information. XXXX suggested that I call and speak with a manager at each bureau to have them delete the information. I called and provided the information and I was told the information comes from a third party vendor. I reached out to that vendor provided verifying information. The vendor was not able to obtain a report under my name. I reached back out to the bureaus asking how can information be verified if there vendor can not pull a report under my name. I'm continuously being told there is nothing else they can do to help me, just wait until it falls of next year. I explained this is not only keeping my score down, I am unable to obtain new credit, I can't refinance my vehicle, I can't apply for a home loan, and I keep being denied credit. Over the last several years I have worked extremely hard to repair my credit. I went from the low 400 's to XXXX. I don't have any collection or past due accounts. I have spent numerous hours, money faxing documents, and scanning to each bureau. This inaccurate bankruptcy information is to old to be reporting and the date is incorrect. I desperately need help getting this item removed. The FTC instructed me to enter a complaint with the CFPB. PLEASE HELP!
Consumer complaint received 2018-06-08
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: EQUIFAX, INC. (NJ)

This loan was originally obtained in XX/XX/XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my Equifax report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XX/XX/XXXXas expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XX/XX/XXXX. I contacted equifax via telephone and the representative notified me that as of XX/XX/XXXX XXXX  reported that I was only 180 days late on the account. By my calculation a delinquency from XX/XX/XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to Equifax. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (CO)

I had added so much extra $ to principal I am 8 months ahead. 

OnXX/XX/XXXX I tried to make my regular payment on line but I could so I called to find out why. 
The girl said it was because the loan was almost paid off so she would have to do it on her end. After some research on her end she came back and told me an amount of {$1900.00} so I said fine and she put it into the system and it got paid. 

Later that week I received a payoff statement for the amount of {$5800.00} in the mail. This was an incorrect amount so I called them. I got no help immediately but finally got to a supervisor who saw it was over {$1500.00} higher than it should be and she said it would be corrected. 

I didn't receive any thing new so on XX/XX/XXXX I called in to make a payment again. The girl said she didn't know how to handle this so she transferred me to another supervisor. She suggested I just make my regular payment ( {$2600.00} ) since there was some confusion and she would have another final statement sent out. I made the full regular payment as she suggested. 

I received a final payment statement and wired the {$1400.00} as was asked for prior to the date asked and paid the loan off in full. 

The problem is because I didn't pay the {$5800.00} wrong amount on the payoff they sent out after I made the XX/XX/XXXX payment the are some how showing me 60 days late. I need to refinance because of a recent divorce in a limited time and I cant talk to anybody in the credit department. I have spoke to one supervisor XXXX ( XXXX ) XXXX XXXXwho has tried to help but her hands are tied. I also talked to an XXXX XXXX ( XXXX ) XXXX XXXX who said he could see where it was incorrect and would do his best to fix it The fact the are reporting this wrong could cost me my house. 

I paid every payment I was told to pay when I called in They no the final statement for XX/XX/XXXX was in the wrong amount and they don't care. I called in and spoke to them every time I made a payment and THEY gave me the amounts and said everything was fine, I don't have 30 days to fix this and they don't care. I could lose my house because I cant get this fixed. 

Even if they just took the 60 late off the report till they figure it out it would be fine but they wont even do that They dont care.
Consumer complaint received 2018-06-08
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MI)

Navient never sent me bills via mail nor email. I finally contacted them after I noticed my credit score took a dive. I was under the impression that I was on forbearance. Once I placed the call to get it straightened out, they took my address, email address, and phone number claiming they had no information, only my name. How could I possibly get a loan without at least a physical address? They also told me that they would correct my account. Today I looked at my credit report and it took another nose dive because Navient made another report saying I haven't been paying. This company is destroying my credit.
Consumer complaint received 2024-11-06
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. (WI)

Tran Union is violating my rights by reporting Fraud info on my credit report. I asked several time to remove these fraud inquiries XXXX XXXX ( Miscellaneous ) XX/XX/year>XXXX XXXX XXXX  ( Bank ) XX/XX/year> I contacted the company above & they said they will investigate & remove but nothing. 
I filed an FTC report & police report. I am a victim of ID theft & I am supposed to have fraud alerts on my trans union account. 
Tran union has already breached my data & Im just tired of hackers getting my personal info. 
Also trans union has made a serious error in computing XXXX XXXX XXXX XXXXcently XXXX points were dropped when my credit is excellent & only thing that changed was I used {$70.00} something on one of credit cards when I have 1 % of utilization, I have $ XXXX in positive credit & I use {$75.00} & it goes down XXXX point smh Trans Union plays games & their computer generated XXXX  system is so full of flaws. There is absolutely no reason my credit dropped that much, I have no collections, no new accounts nothing else negative. Tran Union just loves to pick on me & hold me back. Im fed up with Trans union & I am going to seek legal matters asap!!
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (CA)

On XX/XX/XXXX my XXXX year old son received a XXXX package with a XXXX XXXX XXXX XXXX pirates DVD inside of it. The package was sent by a relative. It was not signed for and left on our doorstep. Approximately one week later a XXXX invoice ( XXXX ) in the amount of {$110.00} was delivered to our address. The invoice had our XXXX yr old sons name on it. I called XXXX at XXXX to dispute the charge. We did not send or request the package and we do not have an account with XXXX. I informed XXXX rep that the person who sent the package must have used a XXXX account. The XXXX rep stated that they could not find the account number and that my XXXX yr old son was responsible for the invoice payment. I told her to contact the sender to acquire the correct account number. On XX/XX/XXXX we received another invoice from a collection agency stating our account status was delinquent. It was addressed to our XXXX yr. old son. To reiterate - we do not have an account with XXXX and do not use their services for any mailings or shipments.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, I paid the remaining balance of my rent in the amount of XXXX like I do every month using my Capital One 360 checking account. But for some reason on today XX/XX/XXXX the balance was reversed without my permission making it as if I did not pay my rent leaving me in a very bad situation with my landlord. I contacted Capital One and they provided no reason as to why the payment was reversed other than a XXXX XXXX who works for Capital One did it. I need a very good explanation as to why this money was reversed and now I am having to pay again my rent which was already paid and having to explain to my landlord why my payment was reversed without my knowledge or my consent. I also need a letter stating that Capital One reversed this payment without my knowledge or my consent so I can do my best to avoid any late fees and eviction since I am going to have to pay more money due to Capital One error.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Dispute Regarding Fair Credit Reporting Act ( FCRA ) Compliance and Metro 2 Compliance for Account Verification by XXXX XXXX XXXX. I am submitting a complaint regarding XXXX XXXX XXXX handling of my credit report. I believe they are not complying with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards regarding accurate credit reporting. XXXX XXXX XXXX have reported an account to the credit bureaus, XXXX and TransUnion. I am disputing this account accuracy and validity. Despite my request for verification, I am concerned that they have not followed appropriate Metro 2 reporting standards. Specifically, I am requesting a review to ensure : 1. Proper credit reporting codes, as outlined by Metro 2 compliance, have been used in verifying and reporting this account. 2. That all data fields, such as the account status, date of delinquency, payment history, and balance information, meet the standards for accuracy, fairness, and completeness as per FCRA and Metro 2 guidelines. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate National Credit Adjusters compliance with these standards and take appropriate action to ensure fair credit reporting. 1. Verification that all Metro 2 compliant codes were used correctly in reporting this account. 2. Full review of the account for FCRA compliance, with any inaccurate or unverifiable information removed from my credit report. Thank you for your assistance in resolving this matter. XXXX XXXX Social security number XXXX
Consumer complaint received 2024-10-08
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-10-30
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? 
I believe you have not verified these items based on Section XXXX09 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (IL)

An application # XXXX to XXXX XXXX XXXX XXXX was made last year in XXXX. As soon as I saw the hit on my credit report, I contacted XXXX and found out that 1 ) the HELOC address was for a property I no longer owned and 2 ) was from someone who lives in XXXX. XXXX sent a letter on XX/XX/year> stating " We identified that an application was fraudulently submitted to us in your name on XX/XX/year>. As part of our research and remediation process, we will be requesting the credit bureau inquiry ( s ) be removed by the credit reporting agencies. Please allow up to 60 calendar days for your credit report to be updated. Sincerely, XXXX XXXX Equity Loans, XXXX, Monday-Friday : XXXX XXXX XXXX ID XXXX '' It is now a year later and Equifax refuses to remove the fraudulent inquiry from my credit report. Their response to my dispute was essentially tough XXXX : >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXXXX The fact is I did not make this inquiry. The fact is XXXX acknowledged the inquiry was fraudulent. The fact is Equifax is intentionally negatively impacting my credit score despite proof the inquiry was made fraudulently. I would like this inquiry removed from my report immediately.
Consumer complaint received 2024-10-29
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. (LA)

I have discovered unauthorized inquiries and accounts on my consumer report, prompting me to file a report with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, XXXX and transunion for infringing upon my consumer rights by including these accounts in my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00}. I strongly believe that this situation exploits me, and I seek resolution.