davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
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. (GA)

I reached out to you all in XX/XX/2018 regarding some items on my credit that are not mine. I'm trying to purchase a home and there are still items on my credit that are not mine. I dont really know where they left off with this last year but I do know that the items are still on my credit report. Please remove these items 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 2023-11-09
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have tried to use my Amex gift card at multiple online merchants ( XXXX, XXXX, etc. ) and every time I try to use it the card gets declined. Every purchase I have attempted to make is less than the balance on the card so there is no reason for it to be declined. When I called Amex customer care to try and resolve the issue, the representative told me that the issue was on the merchant 's side as they may require additional security information to process the transactions. She recommended that I use the card at an in-person location. I mentioned that the item I am trying to buy is only available online and on the Amex information page on using their gift cards, they state it is accepted online at any merchant that excepts Amex. I explained to her that I have not had any issue using previous Amex gift cards to make purchases and she said that the only resolution that she could offer me is to use the card in person. Unfortunately this is not helpful as I am trying to buy a gift for my husband that is sold only online.
Consumer complaint received 2018-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

XXXX XXXX XXXXXXXX ( XXXX ) transferred my loan to Carrington Mortgage  XX/XX/2018 ; however, when I contacted Carrington the new mortgage company to inquire about the increase in my mortgage payment. I was told XXXX   didnt transfer any loan documents to them and if I had a dispute I had to provide them with documents to support my claim. I disagree with their response. Carrington should have my mortgage history along with the deed of trust if Im responsible to make monthly mortgage payment to Carrington. I want to have legal documentation that the loan transfer is valid and they are the new lien holder of my mortgage. My loan has increased {$200.00} more than the original loan agreement. I struggled with the original loan amount ; therefore this increase is burdensome and unreasonable. Any assistance is greatly appreciated. 

XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/2018 I was notified through my credit app that there was a new collection account. I filed a dispute with all 3 credit bureaus and the information states this debt is valid increased the amount from {$2900.00} to {$3000.00}. Then on XX/XX/2018 I also sent a letter to the agency to validate this debt which I have not received a response to. I tried contacting them to verify if the letter was received but whenever I call the line disconnects. I received a electronic return receipt that this information was sent and received from the company.
Consumer complaint received 2023-11-09
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. (MD)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2014 I made a principal payment ( {$300.00} ) that Wells Fargo put in unapplied funds. On XX/XX/2014 a regular mortgage payment ( {$560.00} ) was made. Then on XX/XX/2014 they applied the extra payment to the balance ( {$94000.00} ) after the regular payment. It should have been applied to the balance ( {$94000.00} ) before the regular payment. Wells Fargo says they can't go back but 90 days. If I made a mistake Wells Fargo would go back 90 days! Where's the accountability?
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (UT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

In applying for an income driven repayment plan only a small number of my loans were put on the SAVE plan. I was not informed that my other loans were not included on the income driven payment plan. When I got a surprise bill and called to inquire, I was told some of my loans were not included because they were in a grace period when I applied for this income driven repayment plan. I was told I had to apply with LESS THAN 30 days remaining in my grace period for these loans to be considered for the income driven repayment plan. This is contrary to what studentaid.gov states. Student aid.gov states borrowers should apply at least two months in advance of their grace period ending to allow processing of their application. Studentaid.gov also states if the borrower applies too early, the student loan servicer must inform the borrower that they need to approve reapply closer to the end of the grace period. MOHELA did not do this. 
To rectify this MOHELA had to submit a new application for these outstanding loans, and in the meantime, will put my account on forbearance. This will not prevent interest from accruing, and had the loans been placed on the income driven repayment plan under the save plan I would have zero payment, and the outstanding interest would be covered per the SAVE plan policy.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Early XX/XX/XXXX, I contacted Bank of America ( ) regarding a utility payment that kept getting returned. The payment would post to my account, only to disappear within 24 hours.Per Bank of America, a stop payment was issued over three years ago which was causing the error. The BOA representative was supposed to remove the stop payment. As of XX/XX/XXXX, and two payments later to the utility company, the stop payment has NOT been removed.As a result, I have been charged EFT fees in the amount of {$30.00} that I'm requesting BOA reimburse me. 

I called BOA on XX/XX/XXXX, and when I explained to XXXX in West Virginia, my issue, he preceded to place me on hold, then he hung up - figures. Typical BOA behavior. I have attached one bill to reflect return payment of {$250.00} and fee. Another payment of {$360.00} will be returned too which hasnt posted to the utility account as of today, XX/XX/XXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I've asked TransUnion to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked Clarity to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by TransUnion are reporting fraudulently, is not true, accurate, or legally verifiable and this violates CDIA standards.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any propose. The dates are as follows XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (CA)

I opened this account on XX/XX/2023 with a {$500.00} bonus promo offer. On XX/XX/2023 I confirmed via online chat that I had met the requirements for the promotion and that I would receive the {$500.00} bonus in my checking account by XX/XX/2023. I have still not received the welcome offer. The bank has been stonewalling me on why I have not received the bonus yet and they hang up on me when I call and I have had enough of their games. This is extremely unprofessional. I expect to receive the {$500.00} bonus immediately. 

Thank you, XXXX XXXX
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I asked XXXX and Trans Union to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (UT)

Experian cancelled their XXXX app called XXXX XXXX with no warning but continue to bill for the service. You can only cancel by phone and the number is fully automated but does not recognise that i have an active membership. Both Experian website and bank statement show I do. Attempting to cancel through the social media team but am getting the run around and they are attempting to sell me on new upcoming services. I have already been charged for a service i could not receive i want to cancel my membership with them.
Consumer complaint received 2023-11-09
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. (FL)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX, FL XXXX-XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NY)

I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the US DEPT OF ED/XXXX/XXXX with acc # s XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, 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. (MN)

Hard inquiries by Equifax Mtg on XX/XX/2017 listed on my credit report and my wife 's credit report. We have no recollection of giving permission for these inquiries.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 


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 2018-10-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Concentric Receivables Management, Ltd. (TX)

XX/XX/XXXX I was informed there were medical collections on my credit report.I have contact XXXX XXXX XX/XX/XXXX at XXXX and informed the collection agency I receive medicaid/medicare benefits this is not correct. On XX/XX/XXXX I have spoken with XXXX and informed her I receive medicaid/medicare benefits. XXXX informed me the last time a statement was mailed on XX/XX/XXXX. I didnt receive a statement I have mentioned and XXXX gave me a number to contact XXXX XXXX at XXXX which is a wrong number and an acct # XXXX. XXXX was very rude to me and informed me that I need to handle my business better.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/XXXX I sent a follow up letter requesting debit validation to the address above I still have not received a response. On XX/XX/XXXX I sent a dispute letter to both credit reporting agencies asking for validation of debit, in XX/XX/XXXX both credit reporting agencies responded validating the debit. Still havent received a response then I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX. XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NY)

I was shocked when reviewing my credit report and found a late payment on XX/XX/2017. I am not sure how this has happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America is offering a {$100.00} bonus when you open a new eligible checking account and complete the following requirements : Receive two qualifying direct deposits of at least {$250.00} each within 90 days Opened eligible checking account online via proper website links on XX/XX/2018 Account approved same day, accessed, setup and provided all requested information and obtained access to account via online banking service login. 
Began to setup direct deposit with employer the next day XX/XX/2018. 
Opening deposit of amount of XXXX from provided account of another bank was transferred and completed to Bank of America on XX/XX/2018. 
Received Debit card and deposit checks in postal mail on XX/XX/2018. 
After holding my funds for almost a week, received email subjected " Action Required : Unable to complete opening Deposit as requested '' on XX/XX/2018, and on same date, transferred funds were pending to be sent back to funding bank originally sent from. 
Trying to log into account via website service after told to do so from email returned messages of no such account, no profit existing of my info. 
Call Bank of America for answers XX/XX/2018. 
Bank of America Representative gives notice that because my account was considered fraudulent, I had to instead go to a branch and provide two forms of ID, my government issued ID and they wanted my social security number card to be present, meanwhile I had already had my account approved and open for a weeks time. 
Bank of America provided no communication about the seriousness of the situation and instead allowed a simple message of failure to fund account ( which was not valid a week ago ) and allow a customer to mistakenly move their pay check into a bank that has decided on their own accord to not do business without changing the agreements presented and agreed upon prior to their own changed decisions. No good faith made in communication whatsoever.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Georgia Student Finance Authority (GA)

On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to Georgia student finance XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/XXXX I sent a follow up letter requesting debit validation to the address above I still have not received a response. On XX/XX/XXXX I sent a dispute letter to both credit reporting agencies asking for validation of debit, in XX/XX/XXXX both credit reporting agencies responded validating the debit. Still havent received a response then I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
Consumer complaint received 2023-11-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights.has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section