davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
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. (IL)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (TX)

Rushcard has blocked me from retrieving my funds out of my account for {$900.00} that are in my account due to their update of the system on XXXX/XXXX/2015. I have talked to customer service on many occasion just to be told the system is still updating and an escalation had been placed in the back office for review of my account. Plus due to the system update it caused my current debit cards to be inactive which is keeping me from getting my money.
Consumer complaint received 2024-11-18
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. (MO)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-10-13
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: ERC (FL)

I have a debt from XXXX XXXX XXXX showing as collections for {$1200.00}. It shows this account was opened in XX/XX/XXXX. This is for a cable provider. I have not had cable since XXXX and this has been on my report as collections since XXXX. I had XXXX XXXX in XXXX and things feel behind soon thereafter. This was one of those bills. My marriage ended in XXXX and this is one of those bills I could not pay because I had to keep my XXXX son in his special school. I understood that the cost would be this stayed on my  credit report until the end of XXXX. But they reported it as new again. I disputed it and they claimed it is a new account. The service address was XXXX XXXX XXXX. I have had 2 addresses since them. The amount is also not correct because I eventually turned in the cable boxes and remote controls that they charged me for but they never took it off my balance since it was gone to collections by then. 

I understand it was my bill. I also have been denied credit and paid higher interests rates on the credit I have been able to secure as I try to rebuild my credit because of this collection that has been on my credit for more than 8 years now. For many years I couldn't event get internet because XXXX XXXX was the provider. I did limited internet on my cellphone because that was all I could afford. But obviously that was a problem I caused for myself because of this problem. 

Please confirm that this is NOT a new account and that this has been reflected as a collections account since XXXX. I have old versions of my credit reports if you need them. Thank you for helping me move on from this very dark chapter in my life and start building a responsible credit profile.
Consumer complaint received 2020-10-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

The reason for my complaint is to bring to your attention some of the issues I am have with my commercial Mortgage company Wells Fargo Bank. The bank is circumventing regular channels in order to force me to pay fines I am not obligated to.

My LLC is the borrower of the non-recourse loan. However, Wells Fargo is suing me personally, for the repayment of a loan on my business property along with fees, interest, and penalty while refusing to allow me to go to closing on the buildings which would allow me to obtain the necessary funds to pay them. They are using threatening and bullying tactics through their legal counsel to extort money from me. Additionally, the attorney of the bank threatened me multiple times to try and force me to sign away my protective rights under my loan agreement. The attorney prevented me from communicating with the bank and refused to negotiate unless I gave up my rights.Wells Fargo is threatening to foreclose on the buildings even though we have a Buyer, the redevelopment authority of XXXX XXXX County, Maryland. Closing has been scheduled for XX/XX/XXXX by the title company, however the bank refuses to cooperate and give a payoff quote. Instead they have filed a law suit against me. 

I purchased the buildings in XX/XX/XXXX, and they were doing well financially until I was approached by the Redevelopment. In XX/XX/XXXX, I was informed that the buildings were under the development plan. In XXXX, the XXXX issued a letter of Eminent Domain. 

I would appreciate any assistance you could give and if you could look into the unfair treatment from the bank. If you can help me persuade Wells Fargo to provide a payoff quote to the Title company which would allow us to close.

Thanks.
Consumer complaint received 2020-10-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (FL)

I HAVE SEVERAL INACCURATE ITEMS ON MY CREDIT REPORT. THEY ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS.I FEEL AS IF I HAVE BEEN FURTHER VICTIMIZED BY THE BUREAUS AS WELL. I AM TRYING TO BUILD MY CREDIT AND BUY A HOUSE AND THESE FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNYTS ARE HURTING MY CREDIT SCORE.
Consumer complaint received 2020-10-12
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. (MO)

XX/XX/2016. My project loan from XXXX XXXX XXXX XXXX was compromised and added to a companies pro desk account. Chargers were made on the account, without having possession of the card. I contacted XXXX, filed and identity report with the FTC. Filed a police report as well. I continued to pay the account in the beginning of resolving this matter, due to the fact I did not want my credit affected. They never removed this account from my credit, although I had proof of identity theft.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I was shocked when I reviewed my credit report and found late payment on my credit report : XXXX XXXX XXXX XXXX   XXXX  Equifax Account # : XXXX XXXX XXXX High Balance : {$31000.00} {$31000.00} {$31000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Closed Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Finance/Personal Auto Financing Auto Financing Account Status : Closed Closed Closed Payment Status : Late 30 Days Late 30 Days Late 30 Days Creditor Remarks : Closed -- Closed or paid account/zero balance Auto Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : 72 Month ( s ) 72  Month ( s ) 72 Month ( s ) Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan Auto Loan Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- unkown unkown Two-Year payment history unkown XXXXunkown OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 days late OK OK OK OK OK OK OK OK OK OK OK 30 days late 30 days late OK OK OK 30 days late 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  OK OK OK OK OK OK 30 days late OK OK OK OK OK OK OK OK OK OK OK 30 days late 30 days late OK OK OK 30 days late 30 days late 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 Equifax unknown unknown unknown unknown unknown unknown 30 days late unknown unknown unknown unknown unknown unknown unknown unknown unknown unknown unknown 30 days late 30 days late unknown unknown unknown 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late - 7 Year History XXXX   XXXX  Equifax 30 : 4 60 : 0 90 : 0 30 : 4 60 : 0 90 : 0 30 : 4 60 : 0 90 : 0 I am not sure how this happened, I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

They are saying I have a balance on my account for {$100.00}. I contacted them and the charge is coming from XXXX XXXX XXXX. I advised them that XXXX XXXX XXXX was doing a credit for that. they said they didn't see a credit from them. I contacted XXXX XXXX XXXX and they said they did the credit and the payer id # was XXXX. I have provided them with this info and nothing has been done to credit my account. they are showing the due date on this as XX/XX/22 which needs to be fixed before then
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been attempting to apply for a primary residence loan with various companies, most recently, Bank of America ( but also XXXX and XXXX XXXX. All of them have told me that I would be wise to pay cash for my new house because I do not have wages from a job to qualify adequately for a loan ( I am a XXXX, XXXX years old, and have sufficient income in my IRA according to my financial consultant to last till I am XXXX if I am careful ). I had planned to use the net income from the sale of my house in XXXX and from a small condo in XXXX ( my XXXX house ) to pay for the XXXX % down ( {$90000.00} ). I have XXXX other houses, rented, with some small extra income besides. I receive social security and take out enough from the IRA to cover all my expenses. The XXXX house I am buying equals in price the value of the XXXX houses I am selling. I have an excellent credit rating and have never had a financial problem ( foreclosure, etc. ). The Bank of America has told me, however, that all it can do is give me a mortgage for maybe {$170000.00} ( less than the $ XXXX I owe BOA currently, which the bank refinanced as a 15 year mortgage two years ago so that I could pay it off more quickly ). I have sent them my last XXXX tax returns, a XXXX for 2015 from my XXXX stock IRA, my Social Security XXXX, and an end of year summary at XXXX for the money my IRA and I have made this past year in a down year ( around $ XXXX ). Today I was told I must submit my 2015 return as part of the application process, which I thought I had till XXXX XXXX to submit. I am supposed to double-close on the primary residence I am selling and the new house I am buying at the same time/title company ( XXXX XXXX ) so my sellers can close on their house on XXXX XXXX. Not only do I believe this is illegal to ask for BEFORE XXXX XXXX, but I have n't finished it. Which means a defacto refusal on the part of Bank of America ( my executed contract for the house will expire in two weeks or so ). I was shocked when the agent told me I had n't even applied yet ( I thought I had ) and besides it would all need to be sent to the underwriter. I have been given a Prequalification Letter by Bank of America, which is why the sellers signed the contract. Dragging her feet means I will not be able to meet the contract deadline and perhaps not close at all timely. I believe that I am being discriminated against on the basis of age. I asked her what documents she needed for the approval that might be covered in the 2015 return, but she did not tell me. She just said she did not want to waste my time or money any further. I do not understand why I do not qualify for this loan, with XXXX houses and an IRA in value close to XXXX dollars.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2020, I deposited two Separate checks. One was in the amount of {$12000.00} and the other was in the amount of {$780.00}. On the receipt I have in hand from Bank of America, it shows my check for {$780.00} will be available on Wednesday,  XX/XX/2020. These checks were from my Insurance Company, XXXX, and made out only in MY NAME. 

The rep XXXX is the one who hung up on me!!! She told me when I asked to speak to a manager, that the bank changed their mind  and are holding all my funds till XXXX. That is outrageous. 

I checked my bank account today to find that my check for {$780.00} is missing. I called BOA and the representative hung up on me. I had asked to speak to a manager to straighten this out. This woman said there was nothing they could do. I said I would report them again and file suit against this bank. You do NOT play with someone's insurance money like this!!! I had a serious issue with my house and I need to pay the company for hauling out the damaged items. 

XXXX is the wonderful rep who is helping me with this. She provided me the name of the prior rep who hung up on me.

I called back and am talking to another rep and I asked her to report the prior rep who hung up on me. YOU DO NOT TREAT A SENIOR LIKE THIS AND LIE TO THEM!!! I am outraged that BOA has people on staff that treat customers like this. I want the public to be aware of this situation with BOA.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I have submitted a dispute for a hair salon service that was not properly performed and subsequently ruined my hair. I contacted the merchant and they offered a do-over but the 2nd time only made my hair worse after I have questioned if the service can be done twice within a week without make further damage. Now my hair is so damaged and fragile and I have nothing to do but to wait for my hair to grow out and cut them. I paid {$270.00} so that I can have a easy time every morning without spending much time on my hair and instead now I have to because how frizzy and damaged they look. 

Citi has closed my dispute in favor of the merchant. I have explained my situation to Citi and I have photo evidence to show that the merchant did not resolve my issue. The charge was made on XX/XX/2020 for {$270.00}.
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. Very XXXX, XXXX XXXX
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (PA)

My child supports acct was hacked. The card is in my possession but someone was able to use it today first at XXXX store for {$5.00} followed by 2 seperate charges at XXXX  XXXX  XXXX both in the amount of {$99.00} and the last charge that emptied my acct was to XXXX XXXX  # XXXX. After speaking with XXXX XXXX and in store managment they refused to reverce my pending charges. I called XXXX  and was unable to reach anyone on the phone as it keep me in the automated sytems. I reported my card stolen immediatly through the automated systems and have called about 12 times and on hold from anywhere from 5 mins to 2 hours. I was trying to get to them before the charges where no longer pending but unsuccessfully. I cam across this site in a message board with many others that have this same problem with  XXXX cards. Hope you can help.
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

In XX/XX/2020 I was trying to pay the car off. The payoff amount was about {$1100.00} more than the loan. I was in a family emergency then so I just made the regular payment. As of XX/XX/XXXX my account page showed a credit of {$340.00} and a payment due of {$730.00}. I tried e-mail but got a generic response. On XX/XX/XXXX I called customer service. After several minutes I requested to be transferred to a supervisor. After much more time with the supervisor she did some calculations and said that I had over paid the loan and should receive a refund and title within 5-7 business days. More family issues so I did not call again until XX/XX/XXXX. Again I had to go through the phone tree to get a supervisor. Same conversation. I had overpaid and was due a refund. I asked about what happened. Evidently these " supervisors '' do not not have any authority to fix the loan and can only create an e-mail to that department on what the issue is. I called again XX/XX/XXXX, as I hadn't heard any updates. Same conversation again. 
On XX/XX/XXXX I received a delinquent payment notification. On XX/XX/XXXX I again called, but was transferred to the collections department. After being transferred to customer service and then to a supervisor yet again, that supervisor again agreed that I was due a refund and the title. Today I was again told 5-7 business days. I have also contacted Hyundai corporate by e-mail. There response was they do not mediate in these situations. I also contacted the dealer where I purchased the car with the same results. No explanation was ever given as to why the {$1100.00} difference from what is owed and the payoff amount. Each of these calls takes about an hour and are very frustrating.
Consumer complaint received 2020-10-07
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: Experian Information Solutions Inc. (FL)

I am writing this due to non-compliance with the EXPERIAN They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. PLEASE FIND ATTACHED correspondence of the items that I am at present questioning. It is to be noted that the item in specific may be affiliated with personal information that has been reported fraudulently.

A list of items that I am challenging for its validity and on whether or not it is compliant to be reported in the first place has been furnished in previously mailed correspondences.