davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
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. (TN)

I have contacted the Credit Bureaus/Agencies XXXX XXXX XXXX TransUnion, XXXX ) and the Creditor ( Bankruptcy Chapter XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the bankruptcy is fraudulent and that I'm a victim of identity theft. In return to tell me that this bankruptcy was verified and/or belonged to me via XXXX or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Prosper Marketplace, Inc. (DC)

XXXX XXXX from XXXX XXXX XXXX has been contacting me about a debt. I called her back once and she was rude, unprofessional, and tried scare tactics to get me to agree to a new contract when I told her I still had questions. She said I only had a few minutes to decide and used abusive language. When she knew I wasnt going to agree to something without getting my questions answered and understanding, she hung up on me. When I asked to speak to her supervisor via email, she ignored my requests.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (OR)

XX/XX/XXXX I received a letter from Convergent Consulting , Inc regarding a debt that is not mine. In this letter it clearly states that Convergent Consulting , Inc and XXXX XXXX can not report this debt to any credit reporting agency. I am going through the fraud channels that they have directed to me to but told me repeatedly that this debt can be reported on my credit report. That clearly contradicts the letter I received and since this debt is not mine to begin with it is very troubling that they will mail me one thing and say another. At the moment the debt in question is not on my credit report ( Debt is dated XX/XX/XXXX from what they told me ). I would like confirmation of what I was told in this letter while I go through the fraud channels given to me
Consumer complaint received 2021-09-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Activehours (DE)

I Have been with this company for the better part of 3 years. In that time I have been mistreated Half a dozen times. Most recently On XX/XX/23 The company attempted to debit an amount that I had cashed out the previous payday. Like always I made sure that my bank account was able to cover the cashout I always keep enough in my account to cover my debts and all autopays that's all I use that account for so there are never any unexpected withdraws. This is a process im very familiar with and that I expect every payday. I get paid the same every payday so there's no chance I didn't have enough to support a {$500.00} withdraw. However the company insists that in an attempt to collect the amount their system was unable to withdraw the full amount. This is something I understand. Systems malfunction. I offered to pay the remaining amount to keep my payday allowance high ( {$500.00} ). I was told by one associate that I had to pay the remainder and I'd have to do so by contacting a specialist. However he couldn't connect me to a specialist I had to leave the chat and come back in to request one. Only to be told there are no specialist. The next rep I talked to told me there no way to submit a payment that I had to wait till my next payday and my payday allowance would be subject to review. Mind you I've done nothing wrong. Their systems inaccurately collected my debits and there are no systems in place to rectify an error that was made by their network.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I had a HELOC with XXXX XXXX that was paid and closed in XX/XX/2016. XXXX XXXX continues to report this account to Equifax even after an agreement was made no negative reporting would be done after payment and closure. After several attempts to talk to XXXX XXXX, they refuse to stop reporting this closed account credit bureau. 
This account was paid and closed over 5 yrs ago and should not be reported. They report every month dropping my score.
Consumer complaint received 2021-10-20
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: Navient Solutions, LLC. (FL)

i contacted navient that the accounts they have are fraudulent and incorrect, i gave them a chance to resolve the matter, but then when i pulled my credit report the items were still on my credit report, i then disputed threw the credit bureaus XXXX, which found that the accounts fraudulent and the accounts were removed. the accounts are now showing on my credit profile for XXXX XXXX, i requested the original promissory note from navient which they were never able to provide the original, they sent me a copy that looked doctored,
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Veem  Inc. ()

I would like to formally file a complaint against XXXX. My company uses their platform to send our payments/salary from there in the US to here in the XXXX. This incident happened to me not once, but twice already! They have a payment timeline and they provide a turn around time to when will we receive our payment and they weren't able to fulfill it to me for 2 consecutive payouts already.

On the first payout where this incident happened, they said they had a technical issue so I waited until the afternoon while all of my colleagues already got their payments just a few hours after their technical issue gog fixed. Some of which have the same bank as me. Then I reached out to them again and they had me wait for the fund between XXXX to XXXX that day because they say that's when the funds usually get credited, so I waited. But there was still no transfer made. 

I reached out to them again and now they blamed my bank for having additional verification for the funds. I called my bank and asked if there's anything wrong with my account and that if they have additional verification, or if there's any floating funds on my account. My bank confirmed that my account doesn't have any restrictions so everything should be okay and also there were no floating funds on my account at that time. Note that I've received my past payments/salary on this bank before through Veem platform and I have not experienced it until that said payout and today. 

I let that event go even though we incurred an additional fees at the hospital at that time because they sent my money late and I wasn't able to checkout my Grandfather fight away after the doctors discharged him. I had to wait for my money and it was 3 days late at that time. 

Yesterday, we had our payout again. Prior to the payout, I changed my bank and made sure with this new bank that there's no restrictions in my account and that I should receive my payments smoothly because I got traumatized with what happened the last payout. 

So the payout started and the same thing happened again!!! All of my colleagues got their payments already and I'm the only one left in our company who still hasn't receive it. I reached out to them early so they can check my account snd have it fix but they still ask me to wait. 

I waited and now it's already past their given timeframe and I still didn't receive my payment/salary up to now! 

Please help!! I want this to stop from happening again! I don't want to receive my payment late again
Consumer complaint received 2021-10-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (DE)

My husband and I applied for a VA mortgage with Wells Fargo. We submitted all required documents and determined to be approved. Since we initially wanted to build a home we were told to we were approved for {$560.00}. The loan officer told us to get a builders contract and provide that contract once we get it from the builder. We talked to numerous builders and unfortunately the land we selected could not be subdivided. We decided instead of building a home we would just purchase a home already built. I called the loan officer and asked if we could change the loan type. She told us we could switch it with no problem and told us to look for a home. Once we found one and decided to make a offer we should call or email her immediately. We found a home that had a offer deadline because of multiple offers, called and emailed the loan officer with no response. Needless to say that home fell through. I received a returned call a few days later. A few days after that I got voicemail asking for us to call. I called and told very point blank that they could no longer offer us a loan. We were about 3-4 weeks into this process. Nothing changed on our reports, if anything our scores increased. She simply said underwriting decided they could not assist and this is how the process goes. I explained that the only way a loan decision could is if our DTI or score changed. Neither applied. I proceeded to initiate a complaint after researching that Wells Fargo is known and sued for denying minorities mortgages before and during the loan process hoping this was not the case that surely seems that way.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (WI)

Went to log on to mobile banking account XX/XX/21 at XXXX. which usually uses Face ID on XXXX, and user id and password populates automatically, but it did not work. I then tried typing in my username and password manually but it still did not work. I then called Ally Bank and spoke to a representative. She asked my name, address, social security number, favorite color, mothers maiden name and to further authenticate me she started asking questions from my credit report and past. She then said she was not able to authenticate me that way someone would give me a call back. I then called back XX/XX/21 and after asking me all the verification questions and asking for my phone number to send a code to it. I explained it did not work, the rep said she could ask the third party questions instead, I advised that did not work last time, she said sorry I needed to wait I-2 days for a phone call. She could not tell me from who or why my account was locked out in the first place. Finally, I called XX/XX/21 requesting a Supervisor. After waiting on hold for 25 minutes, I finally got Supervisor XXXX on the line, who advised, that I needed to speak to a specials team to get my account unlocked. It was locked, because I failed verification. XXXX put me on hold for another ten minutes, only to return and say that this department was not able to speak with me right now, but someone would be calling me back within a day or so. In the meantime, while I have been locked out of my account, someone else was able to change my phone banking pin, per this email I received. I was the victim of identity theft in XXXX of this year. At the time, the culprits only opened, accounts with XXXX XXXX Bank in my name, which I was alerted to, via my email and called to have closed right away. Sadly, I did not know I needed to delete my old email and make a new one until now and thus they have now gained control of my personal bank account also it seems. I am happy that Ally is protecting my account, but it does not take 3 ( friday, monday, tuesday, not counting the weekend ) days to call and tell me what documents to send in to verify my identity. I work for a bank, and we actually give the customers the information at the end of the call of where they can send their documents if they fail the 2nd step verification. At this point I am very disappointed, it's the 1st of the month, I have funds coming in, bills to pay and they are showing no urgency and very poor customer service. I would love you assistance in getting this resolved. I have attached my
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I lost my card at the end of XXXX around XX/XX/XXXX. I noticed charges on the account and called Bank of America about the issues, they issued me a credit of the missing amount. I ordered a new card but never received it. after which i noticed strange activity on my account after they disconnected my card from my digital wallet.I called to connect my card back and they informed me that Bank of America has decided to close my account. because of this i decide to look into my account and see that it is negative XXXX dollars from a returned check that was submitted into an atm on XX/XX/XXXX WHEN I HAD NO CARD IN POSSESION BECAUSE IT WAS STOLEN. Since then i have put in a request for the release of the direct deposit funds of XXXX that went into a closed account. They then later declined the claim stating that i have used the atm that was used when my card was stolen. i tried to file an appeal and was transferred to another department which didnt answer and i was hung up on. now the have charged my direct deposit funds and all of my money is gone.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I RECEIVED A LETTER OF DENIAL FOR A CREDIT CARD.ENCLOSED WAS 3 REPORTING AGENCIES PROVIDING THE CREDIT CARD COMPANY WITH INFORMATION WHICH RESULTED IN THE NEGATIVE DECISION.I CONTACTED 2 OF THE 3 AND SUCESSFULLY RECEIVED ASSURANCE OF MY REPORT BEING FORWARDED.TRANSUNION TOTALLY AUTOMATED. " SELECTIVE HEARING '' TO MY ANSWERS.WRONG ANSWER IN THEIR OPINION SUCH AS WHERE I NOW LIVE SAME AS WHERE I RECEIVED LETTER OF DENIAL SAME AS OTHER 2 AGENCIES AKNOWLEDGED AND I WAS FORCED TO START OVER AND OVER IN A LOOP.I WAS TOLD TO CALL BACK WHEN I HAD CORRECT INFORMATION.I CONTACTED THEIR CUSTOMER SERVICE AND WAS GIVEN A THIRD TOLL FREE NUMBER TO SPEAK TO A " LIVE '' CSR.NOT SO.WORSE LOOP.NOTHING CORRECT, DRIVERS LICENSE BIRTH DATE SS NUMBER ALL '' WRONG '' AT SOME POINT.DEAD END.CANT REQUEST ANYTHING.LOCKED OUT.
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

In 2010 my identity was stolen after going into my XXXX XXXX account on office computer. A box popped up requesting all my identity information. And dumbly I gave it all as it looks exactly like XXXX XXXX and I didnt know about phishing back then. Shortly after I started getting stuff from debt collectors from XXXX XXXX from a XXXX XXXX residency. I live in XXXX XXXX. I went to bank reported identity theft and fraud and closed my account. Throughout years Ive had the debt collectors through XXXX XXXX asking for money for utilities for tv and phone services. I have to go through whole process to clear my name. Why they have not flagged any account under my identity I dont know but its extremely frustrating. Im now once again going through the process to clear my name through debt collector Convergent Outsourcing asking for {$1600.00} for XXXX XXXX for an account balance plus equipment cost. Please arrest these people. I want to be freed from this nightmare.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/21, I received a phone call with the ID as " TD BANK '', and the number was the exact number on the back of my debit card. I was on the way home from a 12 hour shift and was mentally exhausted ( I work in XXXX XXXX  ), and was told there was money being stolen out of my account through XXXX  on my mobile app as several bank transfers. I immediately started to panic because I struggle financially and can't afford fraud. I was suspicious off the bat, however the fact that the phone number was literally the number on my debit card, I thought that it was trustworthy ( plus I'm supposed to have some sort of fraud protection right? ). So I approved the transaction while the woman from the " bank '' was on the phone with me and walked me through what I thought was denying the transaction, but turned out to be approving it. The money totaled {$2500.00}, which put my account into the negative by {$1100.00}. 

I went to the bank a week later to check on the " claim '', and was told that there was no claim and that it was fraudulent. The bank then told me to wait from the fraud department to handle it and call me. This ended up taking weeks until I was finally denied my claim on XX/XX/21, and then again on XX/XX/21 with the same reasoning. 

I now just received a phone call from TD telling me that I am now in collections for that XXXX, despite the fact that this money was taken from me, and I have called their fraud department upwards of 10 times and waited on hold for over an hour multiple times. I do not have the money to pay this, as all my money was just stolen, and the bank has cleaned their hands of this entirely. I am practically begging for some sort of assistance, so I would really appreciate a call back asap. 

Thank you so much for your time and help P.S. I do have documents from the bank to explain this, however it has much personal information on it and the directions here explain not to share that, so I will wait for some sort of contact first.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

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 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2021-09-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

According to 15 USC 1602, 15 USC 1635, 15 USC 1692, 12 USC 1431, 42 USC 408, I am the rightful owner of 2-Family Property. I acquired the property by deed. On XX/XX/2014, JPMORGAN CHASE BANK NATIONAL ASSOCIATION and XXXX XXXX XXXX  XXXX used my credit to establish an unlawful debt. And since then, has listed the property as a 1-Family, acquired my credit profile and furnished my credit information to several banks and servicing companies without my authorization or written consent.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MO)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.