davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In XXXX & XXXX we had experienced financial hardship due to unexpected medical bills for our XXXX daughter. We also most recently in XXXX have experienced a change of jobs and reduced income. For the last XXXX years we have applied for a loan modification with our bank XXXX times with no success. We were referred to you by a local attorney. 

Thanks,
Consumer complaint received 2015-10-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is an FHA mortgage which BOA has violated the HUD regulations regarding counseling ( 24 CFR 203.500, and 203.604 ) prior to initiating foreclosure AND while BOA was in receipt of a complete package did not attempt to cancel a trial and obtained a final judgment and sale date against the property in violation of 12 CFR 1024.41. In addition, after successfully obtaining a final judgment, in violation of 1024.41, BOA did not provide an opportunity to have an extended sale date to allow the borrower to have more time to be properly reviewed for a modification. 
Attached is confirmation of the documents sent to the lender. All documents the lender requested were submitted and complete. On XX/XX/XXXX, the bank requested : Our client has advised that the review can not be completed until the following is submitted:1. Both Non borrowers to provide signed and dated XX/XX/XXXX tax return2. Bank statement shows XXXX XXXX XXXX XXXX XXXX XXXX as mailing address. Borrower to provide signed letter regarding address discrepancy. 
3. Borrower to provide additional bank statements for acct ending in XXXX that is consecutive to XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX 
After submitting all the requested documents on XX/XX/XXXX, we assumed the file would be reviewed, but on XX/XX/XXXX, we were informed an additional, not-previously-requested bank statement was now needed.
Consumer complaint received 2017-03-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Deposited a XXXX check into my account, BOFA is telling me i cant have my money for 2 weeks because XXXX will not verify. I spoke with XXXX and they are telling me they have submitted everything they can and that my bank is lying to me and that the funds have been drawn from my employers account already. I am going to lose my job due to the fact i can not purchase gas and I am XXXX miles from home in a new state
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Transunion does not report my payments AGAIN!!! 
Last payment the TU reported on the credit report ( see attached ), =was XXXX/XXXX/XXXX. 
The Transunion reports incorrect balance, the correct balance is {$360000.00}. But TU reports that my balance is {$360000.00}! 

This happened repeatedly since XXXX. 
I was successfully disachrged from BK CH XXXX on XXXX XXXX. 
On XXXX XXXX I started to work on my credit reports, and I noticed TU does not reflect accurately and fairly my mortgage payments on the reports. 
( attached reports from XXXX ) In XXXX XXXX, I filed official complaint with Attorney General for District of Columbia, who helped me to deal with TU. Only Transunion does it. The TU repeatedly does stops to report my payment for mortgage what I do monthly! -- andit happened in XXXX XXXX, XXXX XXXX, in XXXX and XXXX. 

I attach supporting documents in evidence of their unjust and unfair treatment and harassing me. 
Please help
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed an incorrect collection/delinquent account from XXXX XXXX, Acct. No. XXXX. I have letter ATTACHED FROM XXXX STATING IT FILED AMENDMENTS WITH ALL MAJOR CREDIT REPORTING AGENCIES TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT. I have attached that letter to this complaint. Transunion did not remove the item from my credit report. Transunion did not provide any documents supporting its refusal to delete, as I requested and as required by the FCRA, it just said the item was 'verified ' without any supporting documentation. I request you to resolve this issue with Transunion to remove the item from my credit report, as instructed by the creditor in writing on the attached letter. Thank you. Please notify me of any action taken, XXXX XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Thank you.
Consumer complaint received 2016-09-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I paid for a one time {$29.00} for a credit report from Transition. Now I see that I was enrolled into some automatic plan within 10 days of my single payments. Obviously this is a scam with Transition because a search of the internet shows that thousands of complaints. This can not be the first time you heard of this unethical practice. Why is this company and numerous other companies allowed to use this automatic enrollment scam unfettered without punishment? 

My Orders ( XXXX ) Order Number Date [ - ] XXXX XXXX/XXXX/2016 Details : Print Receipt Product Type Price Transition from TU alerts to XXXX alerts auto_transition {$19.00} [ - ] XXXX XXXX/XXXX/2016 Details : Print Receipt Product Type Price TU Report, TU alerts, and credit lock access initial {$1.00} [ - ] XXXX XXXX/XXXX/2016 Details : Print Receipt Product Type Price XXXX Merged Report, All XXXX Scores, and Debt Analysis sub_transactional {$29.00}
Consumer complaint received 2016-11-25
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Ad Astra Recovery Services Inc (TX)

The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that XXXX XXXX sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did XXXX XXXX not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, XXXX XXXX, to pay me for the years of bad credit ruining my chances of investments.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MA)

I opened a SoFi high yield savings account in early XX/XX/XXXX. The account was opened by transferring {$500.00} from another account. I then mobile deposited ( XXXX ) checks which were XXXX each. One of those checks was processed the other was not. I then found out that SoFi had contacted my corporate office to verify the undeposited check and spoke with one of the front desk administrators who couldn't confirm the check, so she asked for the SoFi fraud rep to email a copy of the check, which SoFi proceeded to do. This feels like a violation in and of itself but anyway without the confirmation SoFi communicated with me that they could not accept the 2nd check deposit. 

At that point I requested they remove the check hold and forego the deposit, which they had no issue with and made a note in their system. However, they proceeded to call my corporate office multiple times over the following days. I ultimately deposited that check into another savings account with the plan of transferring to SoFi once it had cleared.

I thought all was fine after this, in fact my app showed that the first check had cleared, and the funds were available. However, fast forward a couple weeks to XX/XX/XXXX when I went on my app to transfer funds to my SoFi account there was a " restricted account '' message shown requesting me to " call for more information '', which I did. The initial call was placed on XX/XX/XXXX at about XXXX. The rep communicated that there was a " member violation of the terms and conditions '' and the account was pending closure, but they could provide no further information and told me to call back during daily business hours. 

I called back XX/XX/XXXX and received the exact same information. Upon hearing this I asked for a XXXX or someone that could provide more information and I was told there are no one else available and that i would just be provided the same information. 

When I asked how long it takes to lift the restriction, they stated it would not be lifted as the account would be closed due to the violation. When I asked how long that takes, they replied " I don't know '', I stated you mean it could take a day or 6 months and they replied, " it could ''. When I asked how I get my money out, they stated I couldn't until the account was closed and that I would be notified via email. 

I called a few hours later and the rep communicated all of the same information and that it was under investigation, and they had no information other than what was provided to me and until I received notice there will be no further information. 

I googled this issue, and it appears this is a common practice of SoFi, they accept deposits, clear them and then place restrictions on the accounts of which many people had prolonged wait times and or still waiting. This is extremely frustrating and goes against most if not all their branding and marketing materials
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have never lived on XXXX in XXXX or XXXX in XXXX, that should appear on XXXX XXXX report. How could you confuse XXXX completely different SSN and DOB and foul up the information?
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom this may concern, When I checked my credit report I seen where a debt was reported by XXXX. I filed XXXX disputes with trans union and did n't receive any verification to prove debt was mines. I had an apartment with XXXX and had a bed bug incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being attacked by bed bugs and washing all of our clothes and shoes costing me XXXX of dollars, when I called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me I could terminate the lease but I was still entitled to pay XXXX 2014 rent which I paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to trans union and they advised they do n't verify if debt is actually yours with written documentation they just call. I spoke with the supervisor from trans union who did n't call me back. This has been a disaster I am a single dad and this is hindering from getting an apartment. Please Help!!!!!
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. The account information is XXXX Account # XXXX XXXX {$390.00} XXXX and Acct # XXXX XXXX {$190.00} XXXX
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit score was XXXX on transinion and XXXX on XXXX until XXXX submitted submitted incorrect information about my payment history. XXXX corrected the information and sent me a copy of the letter acknowlgiits corrective action. I see my score has changed a bit, it has NOT been restored to its previous position
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 

Account Account Number Provide Physical Verification XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX XXXX
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have received my credit report from Transunion, XXXX, and XXXX. I have contacted XXXX XXXX and XXXX XXXX numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to Transunion and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After recently pulling my own credit report, I found that XXXX XXXX Bank is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am unable to obtain my credit score based on verification questions. I feel there is a fraud using my SSN. I am only XXXX years old, and have never had credit, but the questions are asking me to verify what bank I used to open a mortgage? I have never opened a mortgage. I have never bought a car, or had any type of credit. I feel that my SSN was opened when I was a minor, and used to obtain credit lines. Now this person has done so much, that I ca n't obtain a credit report, because they do n't know who I am.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion will not report my perfect payment history of my XXXX home loan # XXXX, according to XXXX XXXX of XXXX, until a mysterious TRANSUNION employee named " XXXX '' refuses to let XXXX reinstate my home loan trade line on TRANSUNION until I sign a letter she will write for me, then I will return this letter to XXXX and they will forward it to TRANSUNION and then and only then will TRANSUNION allow my perfect payment history to show on my credit report. 
I have called TransUnion many times since XXXX XXXX of XXXX told me this story last week. I was not given a letter to sign. I wrote my own letter begging to have my home loan reporting correction on my credit report and I posted this on twitter via private direct message to both XXXX and TRANSUNION. 
Please help me and my autistic son. We are ruined financially until the correct and true information shows on my credit report. I do n't know if there is a XXXX. Both XXXX and TransUnion have refused to give me any information about her. She has not made any notes on my file that will help us find her. If she exists, she is holding my credit score hostage. If she does not exist, XXXX is making serious false accusations.
Consumer complaint received 2017-03-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

After numerous reports to the CFPB that I have made regarding this same issue, Ally Financial continues to harass members of my family via telephone calls. They have never been given any authorization to contact my family members ( this time it is my sister ) what so ever. I do not understand why they will continuously do this despite being told not to as well as being reported to the CFPB numerous times.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have incorrect creditor collection balances. The information is incorrect. My car and apartment was broken into while I was Living at XXXX. In my lease agreement I signed gave stated I have the right to break my lease if that incident was ever to happen. While staying at XXXX my apartment was also broken into and I also made a police report. These creditors are affecting my credit with false judgement
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was a victim of the inquiry fiasco and i would like my inquiries deleted ASAP 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 2016-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Checking my credit score online realized an address in XXXX Ga is on my credit report never lived in XXXX, GA. I have never lived in XXXX Georgia on XXXX XXXX or whatever that street was ... ....
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Ive reached out to all three bureaus multiple times over the past 2 years months asking for my personal information to be updated. They keep procrastinating they've also sent me a letter asking me to verify that it is me that's sending the letters, so I also sent hand written letters as well. But it is now becoming a huge frustration because there is a lot of inaccurate information on my credit file along with someone else name. At this point the neglect to the situation is absolutely unjust. This is hindering me from achieving my credit goals and is totally unfair to me as a citize. After multiple communications and still not completed.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Not a duplicate. To be delivered to each CRA at issue. In XX/XX/2014 the XXXX division conducted an investigation into acct # XXXX and determined that the item should be deleted from my credit report as I was never behind in payments. Even though another CRA was in compliance with removing this item, TransUnion failed to remove the item from my credit report. This has caused unjust damage to my credit report as creditors view this item as adverse. This item must be immediately deleted as according to the investigation conducted in XX/XX/2014 by the XXXX.
Consumer complaint received 2017-02-23
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc (LA)

" Contract was cancelled '' " NO CONTRACT '' Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX XXXX XXXX, XXXX ). This was cashed on XXXX/XXXX/2017 and the account has not been removed from all XXXX bureaus as of today.
Consumer complaint received 2016-09-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AES/PHEAA (GA)

This Corporation has shared my information with Credit reporting Agencies. This is considered IDENTITY THEFT Pursuant to 16CFR 603.2. I am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. According to the GLBA Gramm Leach Bliley Act this is a violation. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE but this CORPORATION IS IN BUSINESS COMMERCE AND TRADE. THEY MUST ADHERE TO THE FDCPA Fair Debt Collection Practices Act, and the FCRA, Fair Credit Reporting Act. They also have to CEASE and DESIST because I never asked them for anything, and if they have my information I want it back as soon as possible. If not I will be filing a CRIMIINAL COMPLAINT WITH THE FBI. Where is the Loan Level documentation if any stating it adheres to all State and Federal guidelines of a Loan, for this Consumer. These people are obtaining information from the Credit Reporting Agencies fraudulently and this is definitely Identity theft.